Student Loans

Student Loans For Community College – How To Pay For College (The Right Way)

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Student Loans For Community College – Review

Americans owe over 1.6 trillion dollars in student loan debt. Many parents and students believe the myth that paying for college isn’t possible without student loans. But that’s just what it sounds like – a myth.

Your kids CAN graduate debt-free and ready to succeed. Here are four tips for paying for college without debt:

Choose a school you can afford. Take a look at what colleges you can realistically pay for. If you can’t cash-flow a 4-year university, community colleges or trade schools are a great option to get an education. It doesn’t matter what kind of school you go to, as long as you’re not going into debt to get there.

Apply for scholarships and grants. Treat the scholarship search as a part-time job! You should be spending an hour a day filling out every single scholarship opportunity you can find. It’s free money!

Work during college. Look into work study programs, working on or off campus, or even starting your own business.

Live at home. This could save you thousands each year in room and board fees!

Sending your kids to college can be overwhelming. But remember, it IS possible to pay for college without going into debt. Anthony Oneal’s new book, Debt-Free Degree, shows parents how to help their kid pay for college without student loans and set them up for financial success. Get a copy today: https://www.daveramsey.com/store/product/debt-free-degree-book

Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch debt-free screams, Dave Rants, guest interviews, and more!

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21 Comments
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21 Comments

  1. d3r3kyasmar
    July 24, 2021 at 7:29 pm

    I went to the military and serve. They paid for my education. Now i am a professional Registered Nurse with no debt.

  2. speedrunner gamer
    July 24, 2021 at 7:29 pm

    I took a gap years working. I saved up about 40k with stocks and etc. I'm trying to graduate with no debt.

  3. Isaac Losh
    July 24, 2021 at 7:29 pm

    There is no such thing as the "trap" of University. If you want to have a career that requires a college degree then you have to go to college. period. If you are content with working in a career that doesn't require a college degree then that's fine too. We need all different types of people for all different types of jobs. Having said that, everyone should go to college who wants to. I think homeschooling moms should go to college – it makes you better for your kids. However, major in a marketable degree and then minor in whatever you want to broaden your horizons. Don't go to college to "find" yourself without having a general direction about what you want to do. Minimize the cost. In-state tuition is great, especially if your state has a really good University system like Michigan, UNC, UVA, Texas, UCLA/Berkeley. Do something that pays for some or all of your college – ROTC, academic/athletic scholarships, some states have community college while kids are still in high school and then can transfer, take AP classes in HS and transfer those credits. Get creative. In my family college is required – we're smart, we're successful, we're well educated, we're leaders in our community, we're top of the heap. Go. To. College. But be really smart and disciplined about it.

  4. Rondell Lewis
    July 24, 2021 at 7:29 pm

    who wants to stay home and go to college lol

  5. Rondell Lewis
    July 24, 2021 at 7:29 pm

    lol local state schools cost 25-35. I'm in Ohio by the way. Took out loans for my daughter(nursing) used the Stafford loan all four years. Graduated with 30 grand in debt. Her first yeAr after college was 90 grand with OT. Now she's going to be a NP. 60 grand more in debt but first year will be 130 easily

  6. Viral Clips
    July 24, 2021 at 7:29 pm

    Just make an only fans

  7. Jarod Armstrong
    July 24, 2021 at 7:29 pm

    I’m paying cash for an associates degree in cyber security. $775 a month is what I’m spending on average but I’m managing that in NYC making around $40k. You can do it

  8. lukas nilsson
    July 24, 2021 at 7:29 pm

    Can't someone just swing their wand giving me the money for my education

  9. Frandina
    July 24, 2021 at 7:29 pm

    Every time I want to get loans, I come back to this video

  10. Nishant Bangwal
    July 24, 2021 at 7:29 pm

    How to go college for free: Be smart!!

  11. Eva
    July 24, 2021 at 7:29 pm

    YES LOVE THIS BOOK

  12. SkipDaddySkinTits
    July 24, 2021 at 7:29 pm

    On my 2nd gap your because I didn't have any funding for the school I applied to

  13. Soumil Agarwal
    July 24, 2021 at 7:29 pm

    But that ivy league looks good on cv 😅

  14. Maddie
    July 24, 2021 at 7:29 pm

    While I think this can be great advice, I think it is also important to not feel shame if you do have to take out student loans. I went to community college for all of my pre-requisites and saved 14k by going that route while paying it all out of pocket. But, once I had to start taking nursing classes, I wasn’t able to work full time and also do well with a course load that heavy. And, I didn’t have the privilege of being able to live at home during the process. Student loans are a tool and there is no shame in needing them. Just don’t take them on without weighing the options or not trying to mitigate costs in other ways

  15. Matt Collins
    July 24, 2021 at 7:29 pm

    This is out of touch.

    Yes one should attend the least expensive school possible, and try and work some while in school — good advice. But even if living at home there are no colleges, even community colleges, that a part time job will pay for in addition to living expenses, books, car, etc.

    Scholarships can absolutely help. But the reality is that without help from parents, or debt, it isn't possible to get an education in the US just by working at a part time job.

  16. Virginia
    July 24, 2021 at 7:29 pm

    This is generic advice. Even if you follow it, you will have debt. If you go to a school in state inside a city, you will have debt. If you go to a community college and transfer to a university, you will have debt. If you are going into the sciences, you will not be working through the semester in order to pull a high GPA, you will have debt. If you live at home and commute, you will still have debt. The reality is if you follow some of their advice, you will have less debt. Save your money and don't buy that book. Go to a library where there are many books on the same subject for free. Get a degree in something that pays. Land an internship in junior year. Live at home and pay that debt off. Then, save for a home and move out. And try to buy it cash.

  17. Corey
    July 24, 2021 at 7:29 pm

    The answer is get a gi bill from the military.

  18. mikaella tanales
    July 24, 2021 at 7:29 pm

    20k at Bentley university or 4k at state school??? a year??

  19. FORTRAN4ever
    July 24, 2021 at 7:29 pm

    What about joining a military service and after getting an honorable discharge four years later, take advantage of the VA educational benefits enabling the veteran to receive a free, four year college degree. There are other VA benefits as well.

  20. Donna Shree Ingti
    July 24, 2021 at 7:29 pm

    But it's not easy to manage everything like part time etc w some degree difficult if you do smtg like Sciences

  21. Donna Shree Ingti
    July 24, 2021 at 7:29 pm

    What if we want good education and as well as want to go to have money to pay for it