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HomeBlog Personal FinanceNon-traditional Ways To Save Money On College
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Non-traditional Ways To Save Money On College

November 8, 2013 by National Debt Relief

graduation cap on top of moneyIf you or one of your children is graduating from high school this year, you probably already know most of the traditional ways to save money such as buying textbooks on Amazon.com instead of the college’s or university’s book store and living off campus. There are other ways to save on college costs you might not have thought of. For example, your town or city might offer scholarships where there would fewer people competing for them. There are also scholarships available for specific types of students. As an example of this, where we live there are Chick Evans scholarships available to high school seniors who were caddies in high school.

Go online

There are websites where you can easily search for scholarships like FastWeb and NextStudent. All you need to do is type in your profile and either of these webs will do the searching for you.

Being undecided costs money

You’ll probably end up spending extra money if you start your freshman year undecided about your major. You or your child could actually save money by beginning school knowing what he or she wants to major in and then sticking with it. Switching majors just once can mean an extra semester in school and we don’t have to tell you what that would cost.

Do you have a friend or a twin?

If you have a friend searching for a college or university and you steer him or her to your school, you might earn a discount. Some schools offer a 2-for-1 deal if you and a twin or sibling who is close to you in age both go to the same college. As an example of this, George Washington University has such a plan in place. Be sure to check with your school to see if it offers such a plan.

Take college-level courses like you’re still in high school

If you take AP courses in high school, almost all colleges and universities will give you credit for them and these credits would be free. In some cases, you could get your entire freshman year out of the way before starting college – and at no cost. The following video explains more about taking college-level classes in high school and how this could help you get a head start on college.

Look for a … coupon?

One school in Chicago recently offered a 60% discount coupon via Groupon for an introduction teaching course. Who knows? Maybe this will catch on and more schools will offer discounts via merchants’ site like Groupon.

Start at a community collegemother, father and daughter

Perhaps the number one way to save money is by starting at a community college. This provides the opportunity to get your general education courses out of the way at a much lower cost than what they would be at a four-year college or university. The College Board has reported that the annual cost of a year at a community college is $2963. This is nearly one-third of the $8244 it typically costs at a four-year college. After a year or two, you could transfer those credits to a four-year college and save literally thousands of dollars.

Join the military

There are numerous programs where you could get financial support in exchange for a period of military service. If you are a degree-seeking student, there are scholarships available for veterans to ROTC cadets. And many of these scholarships come with benefits such as a monthly living allowance and money for textbooks.

Get a work-study job

These are part-time jobs funded by the federal government where how much your earn is dictated by your FAFSA. If you become eligible for one of these jobs, a school official will work with you to create a schedule that will fit your academic commitments. These jobs typically pay at least the federal minimum wage. There are also institutional work-study jobs offered by the individual schools. These are part-time, on-campus jobs that are not subsidized by the federal government and are open to anyone regardless of financial need.

Be an RA

RAs or Residential Assistants are responsible for everything in a college dorm from arbitrating disagreements between students or roommates to mentoring younger students. There is a lot of responsibility associated with this job but it does come with some very nice benefits. This can include free or reduced meal plans, free housing or tuition discounts.

Get an accelerated degree

Naturally, if you could get your degree in three years instead of four you would automatically lop about 25% off the cost of your education. How could you accelerate your degree? Depending on your major, you might be able to take some classes online, during the summer or as mini-semesters where there are fewer or shorter breaks. You might find that your college or university has a program where you could take courses on an under graduate level but that satisfy the requirements for graduate-level degrees. In this case, you would be able to earn a Masters degree much faster then normal.

Look for even more opportunities

If you keep your eyes open, you should be able to find other ways to earn extra cash. One example of this is the website CollegeNET.com that hands out weekly scholarships worth anywhere from $300-$1000 based on your participation in its discussion boards that pose questions on everything from personal beliefs to global issues. You might also find ways to earn money at your school by having a student leadership position or by being involved in research studies.

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Moderate National Debt Relief Caller: Charlotte Transcribed WE 1/24/2021 Charlotte: Before I begin, I have to let you know that our call may be recorded. Can you tell me, how did you first hear about our National Debt Relief? JOAN: Oh, I don't know. I don't remember. I don't know how I heard about it. Charlotte: What made you decide to work with them? JOAN: Well, obviously, I needed to consolidate my debt. Charlotte: Tell me about the service program that they provided you with. JOAN: Well, I'm not done. But for me, it’s costly. What I did not like about it was that they add on. They say it's going to be X amount of dollars. But then what they do is they say, “Oh, well, we found another creditor that you need to…” So that'll be at a different part of the month and I don't like staggered bills. If I'm gonna pay a bill, whether it's to the phone company, the insurance company, whatever it might be, I want to pay that bill once a month. That's the only drawback. Charlotte: So let me get this. Normally, they are collecting the bills upfront. And then they work to get them paid off at a different rate. So everything wasn't collected all at once, if that's what I'm hearing correctly. JOAN: No, no, no. Every month, money is taken out of your account. And they pay X amount of dollars. Like let's say you owe $5,000 with Citibank, $500 in Credit One, whatever. They work out a deal with them and then they say, “Well, you have to pay $350 a month.” And they'll pay $20 a month towards -- they give you like around about how long it's going to take. Two years, two and a half years. And then they work it out that way. Charlotte: Now, what did you think about your negotiator? JOAN: I don't know. I just called up. It's a completely different department. So when you call up to sign up, it's very different. I don't remember that. It's just that they collected all the information. It was easy for me. I didn't have to go through and find whatever bills I wanted to put in the debt relief. They did that. Charlotte: So say you have questions or concerns. How did you get your questions or concerns addressed? JOAN: I would just ask and they answered it. They're very helpful like that. They'll answer any questions you have. And if they don’t know, they will find out. Charlotte: So was there not a particular person that you spoke with? JOAN: No, you don’t have one person that you deal with that just handles your account. Once you do – they’re like headhunters. Until you sign up, you're going to have that one person and even other people calling. Once your name is out there, they're going to keep calling you. So, once you sign up, then it's whoever answers the phone. It’s customer service. Charlotte: How comfortable did you feel working with National Debt Relief through this process? JOAN: I felt very comfortable, very safe. I was not worried about anything. Charlotte: Is there anything about this process that you would have liked to seen handled differently? JOAN: Yes. The way the payments come out. I'd rather have them one instead of … Charlotte: Everywhere. JOAN: Right. Well, not everywhere. For the most part, the bulk of them were. But then if there's one here, one there, they don't just extend it to another payment. And then the payments change, like the payment amount. You could pay $20 for six months, and then all of a sudden, it's $80 for the next three months, so you really don't know. Charlotte: So if you have to rate this experience on a scale of one to five, five is you’d recommend to friends, one you're pretty dissatisfied… JOAN: No. I would definitely recommend it to a friend. Charlotte: How would you say working with National Debt Relief has impact your life? JOAN: Well, it did help until I hit a speed bump. I'm in the middle of a divorce and my husband closed our checking account, of course. But so far, as a matter of fact, that's why I thought you were calling. I have to postpone the next month, so hopefully, they'll be able to postpone it, because I've been postponing it for a few months. Charlotte: Would it be okay if I posted your comments as a review on our public website for National Debt Relief? Because you did give us some really good feedback. JOAN: Yes, but not using my name. Charlotte: Okay, I will make it anonymous for you. I will also send over a link so that you can have it as a record for yourself at jdola20@yahoo.com. JOAN: Yes, but do not put that public. Charlotte: Oh, no, no, no. That doesn't go public. Definitely. How would you say working with National Debt Relief has impact your life. JOAN: Well, really, it would have helped if I could have stayed on the program. Charlotte: We’re recorded.

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