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Someday I'm going to:
Go through college without accruing debt
Go through college without accruing debt by: Pugovitz
I`d love to get through college without accruing a massive amount of debt.
This is my plan | 18%
Original plan by: Pugovitz
Rating
  • img_get a job
    Step 1: Get a job3
  • img_make at least the minimum monthly payments on current credit cards (about $2000).
    Step 2: Make at least the minimum monthly payments on current credit cards (about $2000).1
  • img_make higher payments on current credit cards, hopefully enough to pay them off in a year.
    Step 3: Make higher payments on current credit cards, hopefully enough to pay them off in a year.3
  • img_get scholarships instead of loans.
    Step 4: Get scholarships instead of loans.4
  • img_make enough money from working and scholarships to pay for school, housing, and food and still have enough money to pay off credit cards and previous school`s loans.
    Step 5: Make enough money from working and scholarships to pay for school, housing, and food and still have enough money to pay off credit cards and previous school`s loans.5
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Tifani
Tifani(787 Days ago)This is an awesome plan... and perhaps more realistic than you might think. I took a break from school and paid off all of my debt in approximately a year. I then bought a condo, and made a bad `self-employed` career move (full-time real estate agent- ha) and reaccumulated the debt. Anway my strategy was to figure out how I could cut as many expenses as possible, pay the the minimum on my cards, with all of the surplus going to the cards with the highest interest (not balance). Be creative, walk to work if you can, figure out your guilty pleasure that`s eating up your dough and cut back. I had to swallow a very very big piece of humble pie and move back in with my parents. To give me piece of mind I offered to pay them a little.

Here`s a great calculator to help you get started. It will show you exactly how long it will take, how much it will cost you in interest, and how much you should pay: http://cgi.money.cnn.com/tools/debtplanner/debtplanner.jsp (
Of course tweak it as you need to.)

As for paying for school without going into debt... my old strategy was to find a job that offered tuition reimbursement. The problem with this is they may not cover your industry. New strategy... work for the institution. Many of them cover all or most of the tuition. I hope this helps.
Good luck!Flag as Inappropriate
Pugovitz
Pugovitz(786 Days ago)http://www.salon.com/life/pinched/story/index.html?story=/news/pinched/2009/12/06/living_in_a_van
>
I can always live in a van to save money.Flag as Inappropriate
Tifani
Tifani(786 Days ago)Now THAT`s creative! ;-)Flag as Inappropriate
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Rating
  • img_get a job
    Step 1: Get a job3
  • img_make at least the minimum monthly payments on current credit cards (about $2000).
    Step 2: Make at least the minimum monthly payments on current credit cards (about $2000).Monthly1
  • img_make higher payments on current credit cards, hopefully enough to pay them off in a year.
    Step 3: Make higher payments on current credit cards, hopefully enough to pay them off in a year.3
  • img_get scholarships instead of loans.
    Step 4: Get scholarships instead of loans.4
  • img_make enough money from working and scholarships to pay for school, housing, and food and still have enough money to pay off credit cards and previous school`s loans.
    Step 5: Make enough money from working and scholarships to pay for school, housing, and food and still have enough money to pay off credit cards and previous school`s loans.5
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