Whether you're a recent high school graduate or haven't seen the inside of a high school in a great while, attending college is an exciting time. But college is also a potentially expensive time. There are many things to consider. What should your major be? How are you going to pay for it? Are you going to live on campus, off-campus, or at home? Should you have a job while attending college? What about student loans? We're going to examine all of these questions and more. A little planning can go a long way. There are many decisions that have to be made. The key is to consider the financial implications of every decision. Higher education is expensive, but there are many things you can do to control the expense.

1. PERSONAL FINANCE
STRATEGIES
for
CollegeStudents

2. • Attending college can be an exciting time.
• There are many financial considerations
that you need to make.
• It’s important to have a plan, as a little
planning can really go a long way.

3. CHOOSING A CAREER
The illiterate of the future will not be the person who
cannot read. It will be the person who does not know how
to learn.
- Alvin Toffler

4. Choose the right career as your starting point.
Consider all aspects of the career.
What is the likely salary you’ll receive when you graduate?
What would you like to do?

5. CHOOSING A MAJOR
A human being is not attaining his full heights until he is
educated.
- Horace Mann

6. Find the information.
Consider your strengths and
weaknesses.
Ask yourself if you will like it.

7. CHOOSING A
SCHOOL
Data is not information, information is not knowledge,
knowledge is not understanding, understanding is not
wisdom.
- Clifford Stoll

8. Find a list of top
programs for your
major.
Get a feel for the
real costs of those
programs.
Can you be
accepted into the
program?

9. HOW TO SAVE MONEY AT
SCHOOL
Education is not preparation for life; education is life itself.
- John Dewey

10. Save on Books
Buy your books used.
Buy the international version of the book.
Share a book with another student or
students.
Sell your books back at the end of the
year.

11. Save on Food
Look into the college’s meal plans.
Will you really be eating breakfast?
Consider using the meal plan for one
meal per day.
Keep snacks in your dorm room for
hungry moments.

12. Home vs. Dorm vs. Off-Campus
Off-Campus
Most expensive
Commuting
costs
Cooking costs
Dorm
Most convenient Time efficient
Home
Commuting costs Travel time

13. Scheduling Considerations
Courses with labs are expensive.
Make a schedule that works for you.
Choose the right courses and
professors.
Consider whether or not you will be
working.

14. WAYS TO EARN MONEY AT
SCHOOL
Education is the ability to listen to almost anything
without losing your temper or your self-confidence.
- Robert Frost

15. Earning Money at School
Work for
the
university.
Become a
research
subject.
Tutor.
Get a job
off-campus.

16. DEVELOPING GOOD
FINANCIAL HABITS
Education is the key to unlock the golden door of
freedom.
- George Washington Carver

17. Tips for Getting Started
Beware of credit cards. Build credit, but only wisely.
Start saving a percentage of your paycheck.
Avoid buying anything you don’t need.
Try to find cheaper ways to buy what you need.
Educate yourself about your finances!

18. FINANCING A COLLEGE
EDUCATION
It is the mark of an educated mind to be able to entertain a
thought without accepting it.
- Aristotle

19. Scholarships
Find all the scholarships that apply to
you and your situation.
Apply to all of these scholarships.
Have someone review your
applications as a final check.
Continue to look around for more
options.

20. Grants
Start the process early.
Be complete.
Do a search online.
Look for federal grants on grants.gov.
Check out grants offered in your state.

21. Student Loans
Subsidized
Federal loans
that don’t
accrue
interest until
graduation.
Unsubsidized
Interest
accrues from
day one.
Private
Guaranteed
by the
government.

22. Save on Federal Income Tax
• Available for first two years.
• Part time required.
• Maximum credit is $1800.
Hope Credit
• $2000 per student.
• Cannot be claimed if you take Hope Credit.
Lifetime Learning Credit
• Deduct up to $4000.
• Cannot claim scholarship or grant expenses.
Tax deduction
• Deduct up to $2500.
Student loan interest deductions

23. Save Money: Graduate on Time
Schedule wisely.
Avoid falling
behind.
Don’t over-
schedule.

24. CONCLUSION
Learning is not attained by chance; it must be sought for
with ardor and diligence.
- Abigail Adams

25. • Make the most out of your decisions with
finances in mind.
• Your career choice, school choice,
scheduling, living arrangements, financing,
and more all play a part.
• Remember to schedule wisely. Plan a
schedule that gives you the best chance to
succeed.

26. We hope you enjoyed your Special Report!
Curtis Roese is an experienced professional with extensive experience in
personal finance and small business matters. Curtis writes and
publishes articles, courses, guides and special reports on his personal
finance blog.
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