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What are the best tools for staying debt free when going to college?

I've heard stories of people getting "full rides" to college and I want to know how? Does that mean they will get their education at no financial cost? And if so, how can all of us students do that? I want to get my degree as a Dietician and am looking for colleges that aren't ridiculously expensive, but I am still afraid of being in debt. #debt #college #loans #financial-planning #college-advice

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Rachel’s Answer

You start by applying for financial aid. Many of these scholarships are "need based." This means that the less you and your family have, the more the university and scholarship committees may offer you. You should try to apply for all of the scholarships possible through your university and in your community as well.
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Richard’s Answer

If you can keep your expenses down (live with parents, attend community college which can be free in some cities, complete your degree at an inexpensive public institution etc) debt doesn't have to be out of control. However the typical student does not do everything they can to decrease expenses then has to be stressed during their first years of your career.

Apply for scholarships. Small scholarships are common but don't come close to covering all of tuition and living expenses. Full tuition or full-ride scholarships are rare, but if you have the grades don't hesitate to apply!
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Sarah’s Answer

Hi Maria! It sounds like you're on the right track by considering the cost of college and how to stay out of debt. It is possible to receive a 'full ride' to college. This means that tuition costs are fully covered. This is something colleges do to help make their school more appealing to potential students. Personally, I did not receive a full ride to college however a portion of my college was paid for by the university I attended. I received some funds for an athletic scholarship and another portion through an academic scholarship. Looking for schools that have competitive tuition rates is a plus for you! Keep looking and consider what makes you a prime, marketable student. Are you actively involved in your community? Do you play any sports? Do you have a high GPA?
Good luck! Sarah
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Simeon’s Answer

Full-ride scholarships usually means a full ride, but not always. There are times when a full ride covers tuition, but not room, board, and other expenses. I had an almost full-ride for my undergraduate degree, so I had to figure out room and board. To get one, you have to apply for the scholarship through the school. They have a limited supply of these scholarships, so not everyone can get one. You have to have a great application, usually with pretty decent grades.
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Amit’s Answer

Hi Maria. It is great that you are already thinking about college costs. College is expensive and nobody wants to have a huge debt right after graduation. There are a variety of ways to reduce the cost of college. Full rides are tough to get, but definitely the goal. Full rides can be based on academic merit, athletics, or financial need. Since you already know you want to become a Dietician, you have an advantage; you can research schools with the program of your desire. Some programs will be less expensive than others. Another option to possible consider, when going to college, will you be living on your own, or with family? Housing costs can pile up during the course of college.


If you have a great GPA, serve as a leader in high school/community, you may receive a scholarship (full ride or partial) from the school based on your application. If you are a stellar athlete, you may be able to turn your athletic talent into scholarships or a full ride. It is important to research the athletics program of the schools you are interested in, to ensure they have a program for your sport, as well as career interests. I also highly recommend filling out a FAFSA application (fafsa.ed.gov), which can help you get financial aid for college (it is based off you/ your family’s financial situation).


Colleges have many jobs on campus that they would prefer to hire their students for. I worked at the library for a majority of my time in the college, and it was a great job to earn spending money. I also interned during the summer, which also helped pay for expenses.


I highly recommend applying for scholarship through your high school, online, and eventually from the college you go to. You would be surprised at how many scholarships are out there, and how few people apply. It is definitely worth your time to write an essay to earn potentially thousands of dollars. Hope this helps. Amit
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Cynthia’s Answer

One of the best ways is by working for a corporation offering tuition reimbursement - that's how I did it! My employer reimbursed me for all of my college costs - its a great way to finish your degree without incurring lots of student debt.
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