- Do it now. Start researching scholarships and grants as soon as you consider attending college. Some scholarships and grants are available to elementary students.
- Know what you’re getting into. It’s important to know the costs for tuition, books, dorms, etc. and to know how much grants will cover and how much you might have to borrow. Knowing those numbers might help you choose between one college and another with better costs.
- Take what you need. Financial aid may offer you loans to cover things like transportation and dorm fees that you may or may not need. Resist the temptation to sign on the dotted line and take out more money in loans than you need.
- Work smarter. Some career fields, like teaching, offer to pay off a portion of your student loans over time. Take advantage of programs available to you.