259. Going to College Debt-Free: Our Best Tips & Strategies

Jesse and I are tackling a topic this week that was inspired by a blog post of mine and subsequent discussions on Instagram and Facebook - attending college without drowning in debt! Jesse, who managed to graduate undergrad and law school debt-free, joins me to challenge the prevailing myth that accumulating student debt is inevitable.

Drawing from personal experiences and observations, we unravel strategies and mindsets that can pave the way to debt-free higher education. We confront common misconceptions, emphasizing the importance of belief in the possibility of debt-free graduation. Through thoughtful planning, creativity, and a willingness to challenge conventional wisdom, we explore avenues such as attending in-state colleges, leveraging scholarships, and strategically tackling general education credits. From community college options to seizing opportunities for tuition reimbursement, we unveil diverse pathways to minimize the financial burden of higher education.

We also share insights gathered from our journeys and from the community, highlighting the abundance of resources and scholarships just waiting to be discovered. By fostering a shift in mindset and instilling financial responsibility early on, we envision a generational impact that opens doors to a debt-free future, so join us as we navigate the maze of college finances, debunk myths, and empower listeners to take charge of their educational journey!

In This Episode

[0:35] - Today’s topic - getting a debt-free college education, was inspired by a blog post of mine.

[2:27] - Jesse argues that belief in possibility is the initial step towards accomplishing anything.

[3:42] - Options do exist to attend college without debt for most individuals willing to explore alternatives.

[5:56] - I point out how effort can significantly reduce college debt.

[7:33] - Hear how debt relies on uncertain futures; prioritize your current affordability.

[10:24] - Choosing in-state education and state scholarships drastically reduces college expenses.

[13:21] - I discuss how community colleges, often covered by state scholarships, offer affordable Gen Ed credits, which can really help save money.

[15:13] - I encourage you to plan strategically; explore dual enrollment, community college for savings, and alternatives to expensive on-campus living.

[18:48] - Jesse adds that many students transfer schools after the first year, indicating initial choices may not be your final choices.

[19:12] - I agree, advising listeners to stay flexible because college plans can change.

[21:45] - Challenge your own students to actively seek scholarships because numerous opportunities exist, even for niche interests or traits.

[24:12] - Encourage students to also treat scholarship hunting as a part-time job, maximizing financial aid opportunities.

[25:47] - It’s important to explore job opportunities offering tuition reimbursement or discounts, including college roles such as being an RA.

[27:39] - Get some advice on free college programs such as College of the Ozarks.

[29:53] - Jesse closes by encouraging a mindset shift towards creative solutions, paving the way for generational financial freedom.

Links & Resources

Crystal Paine

Money Saving Mom - “How To Graduate College Debt-Free”

College of the Ozarks - “Graduate Debt Free”

Social Media

Crystal Paine on Instagram (@moneysavingmom)

Crystal Paine on Instagram (@crystaliscleaning)

Crystal Paine on LinkedIn

Crystal Paine on Twitter

Crystal Paine on Goodreads

Money Saving Mom

Money Saving Mom on Facebook

Money Saving Mom Deal Seekers Facebook group

crystal@moneysavingmom.com

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