Friday, September 23, 2011

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5 Tips for Minimizing School Loan Debt

Attending a college or university is often an expensive venture due to the high cost of tuition, books, dorms, food and other added fees. The problem with the high expense is that many students end up taking out large student loans to pay for all of the costs. After getting out of college, the debt lingers and is often challenging to pay off completely. Fortunately, it is possible to minimize your school loan debts.

Scholarships and Grants:

Scholarships and grants should always be one of the first steps to paying for your college expenses. Since scholarships and grants are free money that you can use for your degree, you will never need to pay it back. Scholarships and grants are available through the school, from private companies and from private organizations. They have specific requirements, such as a specific field of study or a specific GPA, but if you receive the money it will save on the amount of debt you take out.

Savings:

Open a college savings account early and put aside some money specifically for college. Starting as early as possible is ideal, but even if you start in high school you can have enough money put aside to pay for part of you college expense without touching debts. A 529 savings account is a perfect opportunity to lower your taxes and save up extra money while also investing that money. By adding an element of investing to the savings, you'll end up with more money for college available. If you decide to use a 529 college savings account, you will need to declare it on your FAFSA application.

Work During College:

Working part-time while you attend college can help you manage expenses while you are going to school. While it might not provide enough money to pay for everything, it will help you pay for some of the expenses like books and part of tuition.

Limit Student Loans:

Take out only the amount you need after exhausting all other sources of money to pay for the college. This will minimize the amount of money you take out in loans by preventing you from taking out extra money. Keep the amount of student loans you take out to the lowest possible amount rather than the maximum.

Make Loan Payments:

While you attend college, you are allowed to make loan payments on whatever student loans you've taken out. By paying as much as you can before getting out of college, by the time your degree is complete you will have paid back enough of the loan to have a much smaller debt.



Conclusion:

Limiting your student loan debt is simple. You just need to avoid taking out more than you absolutely need to pay for college and use other options at the same time.

Article Source: http://EzineArticles.com/6522744


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