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How Can I Get Money To Pay For The Rest of My Schooling Without Getting A Loan?

I have been through many struggles throughout my life... One being someone had killed my father when I was 11 while he was working so that's the only money I have to pay for school. Unfortunately, I go to a very expensive private school and I only have enough for one more semester. I am in my 2nd year, my family is from a third world country I'm the first to go to college and we don't know what to do except avoid loans. I've applied to many scholarships and just never receive them. I do have financial aid and grants and no part-time job will help me raise enough money. I have to pay $12,000 a semester while most kids here pay $500 it just doesn't make sense or add up. #financial-aid #money #college #education #finance

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Ken’s Answer

The most important thing to do is to develop a career focus and talk to people who are involved in that career to get their advice.


Also, it really does not matter what school you attend, as the most important factors are how well you do with the school work, which is an indication to an employer about what kind of employee you will be, and the effort that you put forth in your networking to set up networking connections that will help you throughout your education/career journey. Here is an important video for you to watch: ## http://www.ted.com/talks/julie_lythcott_haims_how_to_raise_successful_kids_without_over_parenting?utm_campaign=social&utm_medium=referral&utm_source=facebook.com&utm_content=talk&utm_term=education ##


Here are some good suggestions for reducing college debt: ##  http://www.educationplanner.org/students/paying-for-school/ways-to-pay/reduce-college-costs.shtml


Sources of information about scholarships, internships, coop programs, etc, would include the reference librarian at your local library, the counseling department at your school, favorite teachers at your school, the admissions office at any school to which you might consider attending next, your religious organization (if you have one), professional associations to which people in your career area of interest belong.

Ken recommends the following next steps:

A good starting point is to get to know yourself better to develop a career focus. Getting to know yourself and how your personality traits relate to people involved in various career opportunities is very important in your decision making process. During my many years in Human Resources and College Recruiting, I ran across too many students who had skipped this very important step and ended up in a job situation which for which they were not well suited. Selecting a career area is like buying a pair of shoes. First you have to be properly fitted for the correct size, and then you need to try on and walk in the various shoe options to determine which is fits the best and is most comfortable for you to wear. Following are some important steps which I developed during my career which have been helpful to many .
The first step is to take an interest and aptitude test and have it interpreted by your school counselor to see if you share the personality traits necessary to enter the field. You might want to do this again upon entry into college, as the interpretation might differ slightly due to the course offering of the school. However, do not wait until entering college, as the information from the test will help to determine the courses that you take in high school. Too many students, due to poor planning, end up paying for courses in college which they could have taken for free in high school.
Next, when you have the results of the testing, talk to the person at your high school and college who tracks and works with graduates to arrange to talk to, visit, and possibly shadow people doing what you think that you might want to do, so that you can get know what they are doing and how they got there. Here are some tips: ## http://www.wikihow.com/Network ## ## https://www.themuse.com/advice/nonawkward-ways-to-start-and-end-networking-conversations ## ## https://www.themuse.com/advice/4-questions-to-ask-your-network-besides-can-you-get-me-a-job?ref=carousel-slide-1 ##
Locate and attend meetings of professional associations to which people who are doing what you think that you want to do belong, so that you can get their advice. These associations may offer or know of intern, coop, shadowing, and scholarship opportunities. These associations are the means whereby the professionals keep abreast of their career area following college and advance in their career. You can locate them by asking your school academic advisor, favorite teachers, and the reference librarian at your local library. Here are some tips: ## https://www.careeronestop.org/BusinessCenter/Toolkit/find-professional-associations.aspx?&frd=true ## ## https://www.themuse.com/advice/9-tips-for-navigating-your-first-networking-event ##
It is very important to express your appreciation to those who help you along the way to be able to continue to receive helpful information and to create important networking contacts along the way. Here are some good tips: ## https://www.themuse.com/advice/the-informational-interview-thank-you-note-smart-people-know-to-send?ref=recently-published-2 ## ## https://www.themuse.com/advice/3-tips-for-writing-a-thank-you-note-thatll-make-you-look-like-the-best-candidate-alive?bsft_eid=7e230cba-a92f-4ec7-8ca3-2f50c8fc9c3c&bsft_pid=d08b95c2-bc8f-4eae-8618-d0826841a284&utm_medium=email&utm_campaign=daily_20171020&utm_source=blueshift&utm_content=daily_20171020&bsft_clkid=edfe52ae-9e40-4d90-8e6a-e0bb76116570&bsft_uid=54658fa1-0090-41fd-b88c-20a86c513a6c&bsft_mid=214115cb-cca2-4aec-aa86-92a31d371185&bsft_pp=2 ##
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Peter’s Answer

Your school should have resources to help you get financial aid, I would start there.
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Simeon’s Answer

Beyond applying for scholarships and grants, I'd recommend seeing if you qualify for work study. Work study is a bank of grant money that you can pull hourly wages from like a normal job, usually part time. Assuming the same hours and pay, work-study is way superior. You can get study time back if you work in a dorm lobby or a library. You can get lots of free food if you work at the cafeteria. I was able to do both and it was a big boon to both my undergraduate and graduate studies. It helped me connect the dots financially while living in college as well. Plus, you save yourself hours of time commuting to and from campus and don't have to deal with quite the same stress/pressure from having a real job off-campus.
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TLAURENTONI’s Answer

Live off grounds or try out junior college

Apply for private grants. ...

Awards. Schools, states, and the government give out awards, which don't should be reimbursed. ...

Ask the school for more cash. ...

Maintain study sources of income. ...

Take out credits. ...

Guarantee a $2,500 tax break. ...

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