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June 6, 2025

Franklin County Times
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    Money Matters: Make wise financial plans for college
    Features, Lifestyles, LIFESTYLES -- FEATURE SPOT, Top News Stories FRONT PAGE, Z - TOP HOME
     By  Staff Reports Published 
    12:22 pm Thursday, December 28, 2023

    Money Matters: Make wise financial plans for college

    FRANKLIN LIVING NOVEMBER-DECEMBER 2023

    Tis the season! – for college application submissions.

    As if this isn’t a stressful enough process, the financial picture also needs to be considered. Attending college is a significant milestone in one’s life, but it often comes with a hefty price tag. Proper financial planning is crucial to ensure the pursuit of higher education doesn’t lead to overwhelming debt. Here are some financial tips to help you get in step with your college financial goals.

    Research Financial Aid Options

    Before applying to colleges, it’s essential to explore available financial aid options. This includes scholarships, grants, federal and state aid programs and private loans. FAFSA, the Free Application for Federal Student Aid, is a critical starting point for accessing many of these resources. When it comes to scholarships and grants, students should actively seek out opportunities based on their academic achievements, extracurricular involvement and unique skills or talents. There are various online platforms and local organizations that offer scholarships.

    Consider In-State and Community Colleges

    In-state and community colleges often offer more affordable tuition rates compared to out-of-state or private institutions. Many community colleges also have transfer programs, allowing students to complete their general education requirements at a lower cost before transferring to a four-year institution.

    Create a Budget

    Developing a realistic budget is a fundamental step in managing college expenses. It should encompass tuition, fees, housing, meals, textbooks, transportation and personal expenses. Establishing a budget helps students and their families understand their financial capabilities and limitations.

    Minimize Unnecessary Expenses

    Cutting unnecessary expenses can make a substantial difference in the overall cost of attending college. This might include opting for used textbooks, sharing housing costs with roommates and avoiding excessive spending on non-essential items.

    Consider Part-Time Work, Work-Study or Internships

    Part-time work or internships can provide valuable income and professional experience. Federal work-study programs offer part-time employment opportunities to eligible students, often on campus or within the community, and these jobs provide income while allowing students to gain valuable skills related to their field of study. However, it’s essential to balance work commitments with academic responsibilities to ensure success in both areas.

    College financial planning requires careful consideration and proactive steps to ensure a smooth journey. Seeking guidance from financial advisers or college counselors can provide additional insights tailored to individual circumstances. With thoughtful planning, the pursuit of higher education can be both enriching and financially manageable. Students can make the most of their college experience without incurring excessive debt.

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