How To Pay For College Without Loans | 5 Ways

College is a tool, and you should go to the college that works best for you and your finances. I remember some of my friends going to college and walking away with 80k in student loan debt and a job that didn’t even have anything to do with their major.

????Patreon Exclusive????
https://www.patreon.com/tommybryson

????Call Me????: https://bit.ly/30IBr0i

????Second Channel????: https://bit.ly/3c4sVPS

????????‍????Financial Freedom Course????????‍????$100 OFF CODE: LONGTERM
Link: https://longtermteam.teachable.com/p/financial-freedom-steps-from-nothing-to-freedom

1. the running start program
– you can take these programs to my knowledge when you are in 11th or 12th grade
– and you basically take college courses and earn credit for it
– and this can save you a lot of time, and money

when I was in high school
– I took an English course I think it was
– and an accounting course
– earned me a total of 6 credits for free

that may not sound like a lot:
– but I was paying about $700 per credit, now I think the price went up to $860
– So 6*700 = $4,200 that I saved

2. Ap or Clep test – test costs about $100 but could save you a lot of money
– in New York, we had something called a regents test, and if I scored above a 80% on my algebra test I would be able to skip math class in college ( that saved me money )
– I also took an AP Spanish class, but I’m not sure if I got credit in college for it

so on the AP side:
– seeing if you could take some ap classes
– may help with getting college credit

Clep test:
– allow you to take a test and if you pass the test you will be able to qualify for those general education credit credits
– And you won’t have to take them in college
– these test cost about $100 and take about 90-120 minutes

3. Going to community college for two years and entering a 4 year school a junior and paid a lot
– now I went to a private school where each credit was about $700 dollars
– that includes the price for the credits i need for my real major
– and those pesky general education courses

however, can you guess how much they would cost at the community college
– the community college was within walking distance from my house and was about $210 dollars per credit
– and it would be saved hours and hours of traveling to school, and countless headaches over 2 years

So picture this:
– I would have spent 2 years in community college getting myself about 40-60 gen ed credits required by most colleges at 30% of the cost
– You can pay $2400 per semester without debt, but it’s harder paying $8,400

4. Less for credits
– you need to shop around for credits
– take a look at each college and how much they are charging you for credit
– and choose a college, that gives you a better deal overall

Take into account
– grants
– scholarships
– and whatever help they give you
– and then run the prices
– the expensive school that’s offering you a lot of help, may be cheaper than the cheaper school that’s giving you no helping hand

5. Getting work study work
– now the tough part about working and being in college
– is the time schedule
– but work-study allows you to work around your schedule

When i was in college here is how i did it
– i was getting paid about $8.75 per hour, its usually minimum wage work
– and i was able to work part-time i think it was
– and make an extra $1000 or a little more per month
– its easy money

6. question: is it worth it for you as a parent to spend an extra decade working to take your kid to an expensive to school, to get a job, and work for someone else? I don’t think so. I don’t think that’s the most valuable thing you could give a kid
– I’m not the parent that’s planning to work decades to save for my kid’s college
– or the kid who hates that his mom didn’t pay for his college
– I get the game, and there are many other ways to play it

* PRO TIP*
INFORMATION IS EVERYTHING
????Patreon Exclusive????
https://www.patreon.com/tommybryson

????Merch????
https://teespring.com/stores/tommybryson

✅2 FREE AUDIOBOOKS✅
https://amzn.to/2Enayo8¬¬¬

????ACORN FREE $5????
Link: https://acorns.com/invite/38EYSU

⚡FREE KINDLE UNLIMITED⚡ (traditional reading)
Link: https://amzn.to/2VGbxt9

????????‍????DISCORD PRIVATE GROUP????????‍????
https://discord.gg/EcZEHpA

My Camera Gear: https://www.amazon.com/shop/tommybryson

✔ Help Us Reach 600,000 Subscribers: https://goo.gl/0wvm6w

????All My Social Media????
Link: https://linktr.ee/tommybryson

*Some of the links and other products that appear on this video are from companies in which Tommy Bryson will earn an affiliate commission or referral bonus. Tommy Bryson is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. I’m an Accountant but I’m not your Accountant, always review information with your Accountant/CPA and your Financial Advisor.

source