• 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.

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

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?

CHOOSING A MAJOR

A human being is not attaining his full heights until he is educated.

- Horace Mann

Find the information.

Consider your strengths and weaknesses.

Ask yourself if you will like it.

CHOOSING A SCHOOL

Data is not information, information is not knowledge, knowledge is not understanding, understanding is not wisdom.

- Clifford Stoll

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?

HOW TO SAVE MONEY AT SCHOOL

Education is not preparation for life; education is life itself.

- John Dewey

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.

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.

Home vs. Dorm vs. Off-Campus

Off-CampusMost

expensiveCommuting

costs Cooking costs

DormMost convenient Time efficient

HomeCommuting costs Travel time

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.

WAYS TO EARN MONEY AT SCHOOL

Education is the ability to listen to almost anythingwithout losing your temper or your self-confidence.

- Robert Frost

Earning Money at School

Work for the

university.

Become a research subject.

Tutor.Get a job

off-campus.

DEVELOPING GOODFINANCIAL HABITS

Education is the key to unlock the golden door of freedom.

- George Washington Carver

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!

FINANCING A COLLEGE EDUCATION

It is the mark of an educated mind to be able to entertain a thought without accepting it.

- Aristotle

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.

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.

Student LoansSubsi

diz

ed Federal

loans that don’t accrue interest until graduation.

Unsu

bsi

diz

ed Interest

accrues from day one. P

rivate Guaranteed

by the government.

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

Save Money: Graduate on Time

Schedule wisely.

Avoid falling behind.

Don’t over-schedule.

CONCLUSION

Learning is not attained by chance; it must be sought for with ardor and diligence.

- Abigail Adams

• 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.

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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