Nowadays finding a good university has been considered to be a daunting task due to many available universities that offer a variety of similar courses.

Many people need money at some point in their lives. This is so true especially when you are starting college and need funds to sustain yourself.

In today’s world scams are common. You can see unscrupulous people trying to get you to give them money or personal information and scam you as if they are the real thing.

Debt. It is a scary word and one that often haunts many college students once they graduate and begin to move on with their lives. Before you panic, there are ways that you can avoid having debt or too much debt after graduation. Below, we will go over some of these ways and hope that you can make use of the tips to keep yourself out of debt.

  • Choose Your School Wisely

One mistake that many students make is they are eager to go to the best and top name colleges and they end up spendkm35edt62y7eu72ing more money on tuition than they initially planned to. Instead of going to a top school and spending $75,000 for a degree, you can go to a different college, typically a community or local college, and spend $30,000 for the same degree.

If you do not have your heart set on a specific school, then you may want to consider all of your options. There is nothing wrong with going to a community college for the first two years and then switching over to a university. Weigh your options and choose what is best for yourself.

  • Pre-Pay or Pay Interest While in School

If you have not entered into college just yet, it may help to start allocating some money to your tuition and pre-pay for your college. There are many good pre-paid plans that will allow you and your parents to save money for your education.

Another great option is for those who are already in college and have an existing loan. You should pay the interest on your student loans while in school. The interest amount is only going to be a handle of bucks and it will save you thousands over the course of your student repayment period.

  • Budget for Your Bills and Expenses

When it comes time to graduate from college, you need to have a budget in place to help gb53etd6y272u8ei92you properly plan and pay for all of your bills and expenses. You may need to cut some of the luxury or unnecessary items that you currently splurge on, but it will be worth it in the end.

When the time comes to make your budget, you should think about all of the bills you have including your student loan repayment amount. Sit down and find out what items you NEED and which ones would be nice. You should budget for the necessities and obligations FIRST then you can slowly add other items into your budget.

  • Borrow Wisely and Not Excessively

It may be tempting for students to borrow the entire loan amount that they are offered, but this is not a wise strategy and should not be practiced. To help you avoid debt after you graduate, you should make sure that you are ONLY borrowing the amount of money you need to pay for your tuition, books, and educational expenses. Therefore, if you are offered $12,500 to borrow, but schooling will only cost you $4,500, then you should only take out the $4,500 and NOT the entire amount.

The less you take out now, the less you have to pay back later on. In fact, when it comes time to calculate your interest payments and monthly payments, you will pay much less if you borrow less.

  • Consider Work Opportunities on Campus

You may be able to find a job on campus that will help you pay for your education in exchange for working a few hours pekmn3e5t62y7e5262y82r day on campus. These additional funds can be used for your tuition and will cut down on the amount of money you need to borrow.

If you are interested in any work opportunities, you will need to speak with your student advisor to learn more about the availability of work and how the program works.

It can be hard to avoid debt after graduation, especially if you took out any student loans. The average student owes about $30,000 – $35,000 in loan debt once they graduate. The tips above can help you avoid as much debt as possible. Once you graduate, spend time focusing on paying off the debt you have and you will soon be able to live debt free after graduation.

The world economy is getting worse, and people are finding it hard to make ends meet. It may be a smart idea to get a side job to supplement your regular day jobs income. However, there are a few points you need to take note of.

Check with your present employer

Your day job which pays your bills is important, and you may need to check if
your employment contract prohibits you from working outside your job. For example, if you work as a teacher, you may be able to tutor some private students at home or on the weekends. This will be an excellent source of income that will give you some extra cash in you pocket. Have a look at the Christian Science Monitor website for some great tips.

Choosing the best side job

There are many different side jobs that you can consider if you want to earn some extra money. Here are a few options that you can consider:

1. Part time work in the same industry that you work

If you are a teacher, you may want to get some private classes to help a students who want individual attention. This can give you a rather good income.

2. Start an online business

Since technology and the advancement of the internet have made it easy to work online, you may want to start selling products online or become an affiliate marketer in a niche that you have some interest.

3. Work on weekends

vbtnymuSince most people will not have to go to their regular job on the weekends, you can find a job that will need you to work only Saturday and Sunday.

There are any other options you can choose from, and you should always make the decisions wisely. Do not over exert yourself as you may get worn out and not be able to perform your primary job duties well.

How to find a side job

The best way to find a side job is to look online. There are many classified pages that will have advertisements of part time jobs. You can contact them and check if the terms will match your current schedule as not all side jobs will give you the time you need.

The best option is to start something you can do at home. It will allow you to be relaxed and not stress you out too much. If you play an instrument, you can even start a music class, and you are bound to get many students.

Many people need money at some point in their lives. This is so true especially when you are starting college and need funds to sustain yourself.

Students who begin their education at a college often opt for student loans to support themselves. However, once they leave college and start working then reality hits them as they have to start paying back their student loans.

Student Loan consolidation and refinancing?

In essence, this is the process of paying off all your loans by taking out one big loan. The reason this is beneficial is because having many small loans can be rather difficult to track as far as payments are concerned.

The benefits of student loan consolidation

Save your credit score

When you start working, you will realize that all the loans you have taken while studying tend to build up, and you may find it hard to pay them back. This will hurt your credit score, and it may not be a good thing. You will end up not being able to pay all as there will be other expenses you have to handle when you start working.


Better organized

When you have many small loan repayments, it can be hard to track them. However, with private student loan consolidation, you will find it easier to make payments as you have only one to worry about. It will allow you to organize yourself better and not lose track of your payments.

Get better interest rates

Lending interest rates change with time and market conditions. You may find that a new loan will carry a lesser interest rate and will help lower the monthly burden on your pocket. You can also spread the loan over a longer period so that you will not feel the repayment that much.

hbvgycfdMore freedom for other purchases

When you have consolidated a student loan, you will find that you can actually spend for other requirements as you will have a better repayment plan. You will not have always to worry about making your repayments as they will be really light on your pocket.


Many people rely on student loans to gi through their education and repaying them should not be a headache. When you consolidate or refinance your student loans, you can actually have the time to enjoy your initial years working and putting your education to good use. Do not let student loans get you down

aa33In today’s world scams are common.You can see unscrupulous people trying to get you to give them money or personal information and scam you as if they are the real thing.

In fact, student loans are no stranger to such scams. Go ahead and click here to read the full article about student loan scams.

Student loan scams

Who will be targeted

As we all know, the economy is notdoing that well, and many students who wish to go to college will have no choice but to consider taking a student loan to pay for their accommodation, expenses and tuition fees.

You will find many of these students receiving phone calls from telemarketers or brochures in the mail, offering the best solution ever, They will get a student loan which may not carry any interest or may be waived off, etc. However, unsuspecting victims of such scams think that the offer is fantastic, and they decide to go for it and end up in trouble.

How the scammers find you

If you have ever entered your email, address and telephone number in an opt-in form, an online application you may end up getting calls or emails from such people trying to scam you. They will talk with you, and they will make you believe that they are, in fact, actual people from real companies and that they can help you get a student loan as long as you pay them something for the processing.

How to identify and avoid student loan scams

1. If it is too good to be true, it probably is.
2. List your telephone number in a DNC (Do not Call) list. It is against the law for telemarketers to call you if you are on this list.
3. If a telemarketer does call, politely hang up and do not stay on the phone.
4. If you get unsolicited emails from loan companies, immediately delete them and add them to the blocked list.

fghgfdScams are rampant, and they can ruin a person’s hope and even a person’s financial status. Always do face to face business with a loan provider and only check out student loan providers that are recommended by the educational institution you are attending.


We all know that it is hard to pay your way through college without a loan. However, we must be cautious and not allow ourselves to get tricked by these scammers.