One thing altogether common in today’s world is premiums placed on post-secondary degrees, especially healthcare degrees that may be 4-year programs or beyond. Too often the way people get their degrees is through taking out student loans and accumulating a high amount of debt while at it, a problem that can add up because of the interest and fees that will accrue if they don’t pay the loans off quickly. The idea of taking out student loans may even discourage some people from going to college for the first time or returning later, but the good news is you don’t have to go underwater in debt to get your degree.
Consider Taking Courses At Community College
There’s some false assumptions that are made about community college including the assumption that healthcare degrees earned from there don’t land you good healthcare jobs. But that simply isn’t true and many community college graduates get right to work in the field as the Washington Post points out. And even more so, you might save as much as $10,000 a year at community college, depending where you live. If you find the right healthcare career right there at community college you may not need to attend university, and even if you do need to transfer to a university later on, you’ll usually be able to take courses at community college that can be transferred into your university transcript.
Research And Apply For Scholarships
You’ve probably heard of some famous scholarships such as the Fulbright Scholarship, and you might normally think of most of these scholarships as being for the academic elite students. But there are actually many more out there that don’t require you to have a 4.0 GPA in high school, and even some that may not take your GPA into account at all. It certainly can take some time to find the scholarships you need, and it definitely can seem like tedious work to apply for them. But as one student pointed out here, it was certainly worth it to do so because sh graduated not only debt-free, but with $40,000 in the bank.
Save Up Money In Practical Ways
If you’ve just recently graduated high school and are entering the college phase, you should consider living at home while attending community college or a nearby university for at least the first couple years in order to save money you’ll later need. Yes, there will come a time where you will need to leave the nest and learn how to become independent in the real world, but for now your biggest goal is to save money even if it means still living under mom and dad’s roof. If you’re older and can’t live with your parents, consider things like carpooling with friends to save transportation costs or even using the internet to take classes.
Basics Of Online Classes
Most community colleges and universities allow you to take classes online (misspelled classes keyword), and while they still have tuition costs, you can complete the coursework right from the comfort of your own home and save money you might otherwise spend on gas. The great thing is just about every field has online courses, including online nursing and healthcare courses, and while most online courses do have deadlines, some have flexibility in those deadlines and also allow you to complete them when you’re not busy at work or attending other obligations. Some online courses do still require you to commute to campus for exams or various lab work, but even so that can be quite minimal.
The bottom line is sometimes you need to make sacrifices in one area or another to save money for healthcare courses. But by being frugal and exploring other ways to fund your schooling, you won’t have to take out as many student loans and in the long run you’ll have little or no debt to pay off. The best policy is never to go deep into debt for things you can’t afford.