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Smart Ways to Pay for College

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For many millennials, graduating from college with staggering amounts of student loan debt has become the norm. But it doesn’t have to be. This week, we talked about how to save and pay for college and options to explore to eliminate high student loan balances.

Our panel included: Steve & Annette Economides – New York Times Best Selling Authors and Founders of MoneySmartFamily.com, Kasasa- a national brand of free rewards checking accounts offered exclusively at community financial institutions, which reward consumers with ATM refunds nationwide, high interest, and no minimum balance, Rod Griffin- Director of Public Education at Experian, and Mike Delgado- Social Media Community Manager at Experian.

This deck includes tips from: @Kasasa, @SFCUNews, @JayFleischman, @shermanwealth, @dahartattack, @PicaCreditUnion, @WeArMortgages, @moneytalk1, @CFGCollege, @suddenlyfrugal and CaryCarbonaro

Join our #CreditChat every Wednesday at 3 p.m. ET on Twitter and Blab.im.

Publié dans : Formation, Économie & finance
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Smart Ways to Pay for College

  1. #CreditChat Smart Ways to Pay for College #CreditChat Wednesdays | 3 p.m. ET
  2. Join our #CreditChat every Wednesday at 3 p.m. ET. This week, the community shared some great tips to help students win the student loan battle. ex.pn/collegesavings
  3. #CreditChat Wednesdays | 3 p.m. ET What options are available to fund a college education?
  4. There are scholarships, grants, and loans for students. A 529 plan is great for parents saving for college. Tweet by @SFCUNews #CreditChat Wednesdays | 3 p.m. ET
  5. Tweet by @ #CreditChat Wednesdays | 3 p.m. ET understand the true cost over 4, 5, 6 years. understand the true cost over 4, 5, 6 years. The first place you should look is scholarships and grants. Both have the ability to fund your entire education. Tweet by @Kasasa #CreditChat Wednesdays | 3 p.m. ET
  6. #CreditChat Wednesdays | 3 p.m. ET Choose a school based on total cost of attendance, then work part-time to offset costs. Tweet by @JayFleischman #CreditChat Wednesdays | 3 p.m. ET
  7. How can you ensure that you are making a cost- effective college choice? #CreditChat Wednesdays | 3 p.m. ET
  8. Compare the total cost (tuition + expenses + scholarships) vs. average salary of a graduate with your degree. Tweet by @SFCUNews #CreditChat Wednesdays | 3 p.m. ET
  9. #CreditChat Wednesdays | 3 p.m. ET If you want to go to an expensive school, consider taking your Gen Eds at a community college first. Tweet by @Kasasa #CreditChat Wednesdays | 3 p.m. ET
  10. college can put you on the road to achieving them. Tweet by @shermanwealth #CreditChat Wednesdays | 3 p.m. ET Look at your own long-range goals and ask yourself if that
  11. #CreditChat Wednesdays | 3 p.m. ET Private: $31,000. Public: $9,100. Do the math! Tweet by @Kasasa #CreditChat Wednesdays | 3 p.m. ET Average annual cost of community college: $3,347.
  12. #CreditChat Wednesdays | 3 p.m. ET What factors should be included in an overall college budget?
  13. #CreditChat Wednesdays | 3 p.m. ET Like any budget, a college budget should include an emergency fund for things like urgent trips home. Tweet by @shermanwealth
  14. #CreditChat Wednesdays | 3 p.m. ET Besides the regulars (housing, tuition, and books) be sure factor in transportation, food, and “fun money.” Tweet by @Kasasa
  15. #CreditChat Wednesdays | 3 p.m. ET Live off campus if it’s less expensive. Opt out of the meal plan if you can. Budget for trips home. Tweet by @JayFleischman
  16. #CreditChat Wednesdays | 3 p.m. ET Will a college savings account like 529 plans or scholarships affect your financial aid?
  17. Yes, but it all depends on who owns the account (i.e. student, parent, or grandparent). Tweet by @SFCUNews #CreditChat Wednesdays | 3 p.m. ET
  18. Yes, for both, but that doesn’t mean you shouldn’t apply to everything. Better to have all the options in front of you. Tweet by @Kasasa #CreditChat Wednesdays | 3 p.m. ET
  19. How can you minimize your college expenses while still in high school? #CreditChat Wednesdays | 3 p.m. ET
  20. Take classes that earn college credit. You could graduate a semester early! Tweet by @SFCUNews #CreditChat Wednesdays | 3 p.m. ET
  21. Save during the summers for your “fun money” once college starts. You’ll thank yourself later. Tweet by @dahartattack #CreditChat Wednesdays | 3 p.m. ET
  22. Work part-time before college and save the money. Tweet by @JayFleischman #CreditChat Wednesdays | 3 p.m. ET
  23. Taking AP classes in high school that transfer over to college credits will give you a head start! Tweet by @PicaCreditUnion #CreditChat Wednesdays | 3 p.m. ET
  24. AP and IB programs can save you $1000 in tuition costs. If you’re feeling crazy: take some summer classes #CreditChat Wednesdays | 3 p.m. ET at the community college. Tweet by @Kasasa
  25. How can someone attend college for free? #CreditChat Wednesdays | 3 p.m. ET
  26. Never stop applying for scholarships and grants even once you’re in school and always file your FAFSA early. Tweet by @SFCUNews #CreditChat Wednesdays | 3 p.m. ET
  27. The sooner you start working hard, the better. Scholarships, AP credits, grants...they all help. Tweet by @WeAreMortgages #CreditChat Wednesdays | 3 p.m. ET
  28. Be sure to look into your local community bank and credit union. Most offer scholarships. Bonus if you’re a finance major. Tweet by @Kasasa #CreditChat Wednesdays | 3 p.m. ET
  29. Don’t forget the GI Bill. It’s not for everyone, but it’s there. Tweet by @WeAreMortgages #CreditChat Wednesdays | 3 p.m. ET
  30. How can someone pay for school while attending college? #CreditChat Wednesdays | 3 p.m. ET
  31. Join the work-study program or another on-campus job. Work during the summer and save for the next semester. Tweet by @SFCUNews #CreditChat Wednesdays | 3 p.m. ET
  32. Working part-time helps a lot of students be more organized and do better in school. Tweet by @WeAreMortgages #CreditChat Wednesdays | 3 p.m. ET
  33. Eat dinner in, dessert out (keeps you social). Tweet by @JayFleischman #CreditChat Wednesdays | 3 p.m. ET
  34. #CreditChat Wednesdays | 3 p.m. ET Become a resident advisor and all or some of your living costs will be paid. Tweet by @moneytalk1 #CreditChat Wednesdays | 3 p.m. ET
  35. For graduate school, become a TA (teaching assistant) or RA (research assistant) and you’ll get free Tweet by @moneytalk1 #CreditChat Wednesdays | 3 p.m. ET tuition and expense stipend.
  36. When can you start paying your student loans and typically how long is the grace period? #CreditChat Wednesdays | 3 p.m. ET
  37. Tweet by @Payoff #CreditChat You can start making student loan payments while still in school, but most give you a 6-month period. Tweet by @SFCUNews #CreditChat Wednesdays | 3 p.m. ET
  38. You can start paying your student loans during college - you should pay the unsubsidized ones first Tweet by @CFGCollege #CreditChat Wednesdays | 3 p.m. ET because interest will accrue.
  39. Even monthly payments of less than $100 can save you thousands of dollars in interest payments down the line. Tweet by @Kasasa #CreditChat Wednesdays | 3 p.m. ET
  40. What options are available for people struggling to pay student loans? #CreditChat Wednesdays | 3 p.m. ET
  41. Many repayment programs are available based on income and other factors. Tweet by @CFGCollege #CreditChat Wednesdays | 3 p.m. ET
  42. Three options: change your repayment plan, consolidate, or defer. Deferring should be your last resort. Tweet by @Kasasa #CreditChat Wednesdays | 3 p.m. ET
  43. NEVER go into forbearance on federal loans. Opt for income based repayment or pay as you earn instead so the Tweet by @JayFleischman #CreditChat Wednesdays | 3 p.m. ET the clock keeps ticking on long term discharge.
  44. Student loan consolidation can also help manage monthly payments & potentially lower the interest rate. Tweet by @CFGCollege #CreditChat Wednesdays | 3 p.m. ET
  45. Keep contact info updated with lenders, and always open your mail. You could miss a payment change opportunity. Tweet by @JayFleischman #CreditChat Wednesdays | 3 p.m. ET
  46. Any final tips for students preparing to attend college? #CreditChat Wednesdays | 3 p.m. ET
  47. Financial advisors went to college too! Talk to an advisor or take advantage of great personal finance blogs. Tweet by @shermanwealth #CreditChat Wednesdays | 3 p.m. ET
  48. Don’t forget to have fun. College is a time to learn/fail. Be smart with your money, but have fun. Tweet by @Kasasa #CreditChat Wednesdays | 3 p.m. ET
  49. If you visit a college before applying, you can often get the application fee waived and apply for free! Tweet by @suddenlyfrugal #CreditChat Wednesdays | 3 p.m. ET
  50. Have fun, enjoy the ride, make friends, study, budget, get good grades and learn independence. Tweet by @CaryCarbonaro #CreditChat Wednesdays | 3 p.m. ET
  51. #CreditChat Wednesdays | 3 p.m. ET Check out all the resources and tips shared: ex.pn/collegesavings
  52. #CreditChat Wednesdays | 3 p.m. ET Join Us Every Wednesday at 3 p.m. ET. experian.com/creditchat
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