This is a guest post from our featured author, Jenna Smith.
A college education is a very expensive but very necessary thing in today?s world. Whether you are a new student just getting out of high school or an older adult looking to continue your education, you are in for a big surprise when you start checking out tuition costs. Even community colleges have had to raise their tuition to cover the expounding cost of running an accredited school.
With college so expensive, you might be wondering if it is worth it. The fact of the matter is that the most entry level jobs now require at least and associates degree. Some positions low on the totem pole even require a bachelors degree. Without a college degree, your chances for gainful employment are very low. It is definitely worth it to find a way to afford this higher education.
Luckily, you have options. If you are low income you have more options than if you don?t meet low income standards. If you meet the financial requirements, you could qualify for a Pell grant, which pays a good chunk of your tuition fees. The balance of the tuition and your books can be covered by a public student loan, such as a Stanford loan. There are two types of Stanford loans, subsidized and unsubsidized.
Both loans do not become payable until you have been out of school for six months. The difference between the two lies with the way interest is accrued. With subsidized loans, you accumulate no interest while you are in school.?Sallie Mae private student loans?can be the answer for many students, as many of these private loan companies offer variable and flexible solutions for obtaining a loan.
If you don?t meet financial requirements for this type of financial aid, you still have options. Scholarships are available for many people. If you research them in advance, you could find a great many scholarships to apply for. Your school may have some that you could qualify for, or there could be some through your state. There are also scholarships through many organizations, such as the Daughters of the American Revolution. There are even scholarships for single mothers or families with only one income.
However, scholarships may not pay the full balance of tuition and books. You may need additional help paying for school. Private student loans are available for those with good credit. These loans do not require any collateral. However, unlike public student loans, you usually have a payment from the beginning. If you get behind in your payments, funding for your education will cease.
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