Don't Pay More for College Than You Have To: Find Ways to Pay for School

About this article
The average college student graduates with over$20,000 in student debt. But it doesn't have to be that way. There are a number of different ways to finance a college education without taking out a pricey student loan. This article offers tips and resources to avoid paying top dollar.
View available schools

save

College Scholarships

Scholarships are the ultimate way to pay for school and avoid student debt. Like loans, scholarships are available from a variety of sources. Unlike loans, they don't have to be paid back. College scholarships are available from federal, local and state governments. Other scholarship sources include professional associations, community organizations and individual companies or benefactors. A number of colleges and universities also offer their own scholarship programs.

Search Sites for College Scholarships

  • FastWeb - This site is the Internet's largest source of local, national and college-specific scholarships. You can search FastWeb's database after registering for a free account.
  • Scholarships.com - This free site has been helping students find scholarships since 1998. Scholarship.com's searchable database contains more than 2.7 million college scholarships and grants.
  • CollegeBoard's Scholarship Search - CollegeBoard's free scholarship search engine contains more than 3,000 scholarship opportunities. The information you can find in this database is always up-to-date.
  • Sallie Mae Scholarship Search - Students can gain access to information on nearly 3 million scholarships when they use Sallie Mae's free scholarship search. Students can also create a search profile to stay current on the latest scholarship opportunities.
  • U. S. Dept. of Education Scholarship Search - A free scholarship search from the U.S. Department of Education. The majority of the scholarships in this database are school-based.

College Grants

College grants are another great way to pay for school. Like scholarships, grants don't need to be repaid. Another advantage to grants is that they are often need-based.

College grants are most often awarded through federal, state and local governments. Other grant sources include colleges, universities, public organizations, private organizations and individual benefactors.

Where to Locate College Grants

  • Students.gov - Th U.S. Department of Education site offers information on some of the federal grants available to college students.
  • CalGrants - This California Financial Aid Commission website offers information on grants that can be used at California colleges, universities, career schools and technical schools.
  • IEFA Scholarship Search - IEFA's mission is to provide financial aid and scholarship information to international students who want to study abroad. This site also provides grant listings.

State and Federal Aid

State and federal governments make aid available to college students each year. Billions of dollars are available to students who apply for it. State and federal aid includes grants, scholarships, low-cost loans and work study programs. Nearly every college student qualifies for some type of state or federal aid.

Where to Find State and Federal Aid

  • Federal Student Aid - This site is the official student gateway to apply for federal financial aid. Students can find information on applying for federal aid, scholarships and grants.
  • Federal Work Study - The Federal Work-Study (FWS) program is for low-income undergraduate and graduate students who want to earn money to pay for college.
  • State Higher Education Agencies - Your State Higher Education Agency is a great place to find information about the financial aid programs available in your state.

Other Sources of Aid

Scholarships, grants and government aid aren't your only options. There are many other programs out there designed to help students keep debt to a minimum.

Where to Find Other Financial Aid Options

  • CLEP College Search - There are nearly 3,000 colleges and universities that award course credits to students who perform well on CLEP exams. Fewer required courses equal a smaller tuition bill. You can use this search engine from the College Board to find colleges and universities that grant credit for CLEP accomplishments.
  • GreenNote - This social networking site provides an alternative to high-cost student loans. Every student is eligible for a GreenNote loan regardless of credit history or citizenship status.
  • Tuition Reimbursement - More than 50 percent of major employers offer some form of tuition reimbursement or assistance. This article explains how you can get your employer to pay for your college education.

Popular Schools

  • Online Programs Available
    1. Georgetown University

    Program Options

    Master's
      • Masters of Professional Studies in Technology Management
      • Master of Professional Studies in Real Estate
  • Online Programs Available
    2. Saint Leo University

    Program Options

    Doctorate
      • Doctor of Criminal Justice: Education
      • Doctor of Criminal Justice: Homeland Security
    Master's
      • MS: Criminal Justice
      • MS: Criminal Justice - Critical Incident Management
      • MS: Criminal Justice - Legal Studies
      • MS: Psychology
      • MS: Criminal Justice - Forensic Science
    Bachelor's
      • BA: Criminal Justice
      • BA: Criminal Justice - Criminalistics
      • BA: Liberal Studies
      • BA: Psychology
      • BA: Psychology - General
      • BS: Computer Science
    Associate's
      • AA: Criminal Justice
      • AA: Liberal Arts
      • AA: Business Administration
  • Campus and Online Programs
    3. Full Sail University

    Program Options

    Master's
      • Master of Science - Film Production
      • MS - Game Design (Campus)
      • M.S. - Entertainment Business
      • M.S. - New Media Journalism
      • Master of Fine Arts - Creative Writing
      • M.S. - Public Relations
    Bachelor's
      • BS - Sportscasting (Campus)
      • Bachelor of Science - Software Development
      • BS - Cloud Technologies (Campus)
      • BS - Creative Writing for Entertainment (Campus)
      • BS - Film (Campus)
      • BS - Media Communications (Campus)
  • Online Programs Available
    4. Trident University

    Program Options

    Doctorate
      • Business Administration (Ph.D.)
      • Health Sciences (Ph.D.)
      • Doctor of Business Administration
      • Educational Leadership (Ed. D.)
      • Educational Leadership (Ph.D.)
    Master's
      • Master of Arts in Education
    Bachelor's
      • Computer Sciences (BSCS)
      • Business Administration (BSBA)
      • Human Resources Management (BSHRM)
      • Homeland Security (BSHLS)
      • Information Technology Management (BSITM)
      • Leadership (BSL)
    Associate's
      • Professional Studies (ASPS)
    Certificate
      • CMCB - Certificate in Medical Coding and Billing
  • Online Programs Available
    5. Independence University

    Program Options

    Master's
      • Information Systems (MS)
      • Nursing Administration (MS)
      • Nursing Education (MS)
    Bachelor's
      • Accounting (BS)
      • Business Administration (BS)
      • Business Administration - Human Resources Emphasis (BS)
      • Business Administration - Marketing Emphasis (BS)
      • Business Administration - Technology Emphasis (BS)
      • Health Services Management (BS)
    Associate's
      • Medical Assisting (AOS)
  • Online Programs Available
    6. Herzing University

    Program Options

    Master's
      • MBA
      • MBA Dual Concentration: HR & Project Mgmt.
      • MBA Dual Concentration: BS Mgmt. & HR
      • MBA Dual Concentration: Business Mgmt & Project Mgmt.
      • MBA: Technology Management
      • MBA Dual Concentration: Accounting and Project Management
    Bachelor's
      • B.S. - Business Management With No Concentration
      • B.S. - Business Management: Entrepreneurial Studies Concentration
      • B.S. - Information Technology: Security Technology Concentration
      • Bachelor: Health Care Management
      • Bachelor: Accounting
      • B.S. - Information Technology: Network Management Concentration
    Associate's
      • Associate of Science - Business Management
      • Associate of Science - Business Studies
      • Associate: Health Information Management
      • Associate: Healthcare Management
      • Associate of Science - Information Technology Admin and Management
      • Associate of Science - Accounting
    Certificate
      • Diploma: Medical Office Admin
      • Diploma: Medical Assisting
      • Diploma: Bookkeeping and Payroll Accounting
      • Networking Systems Certificate
  • Online Programs Available
    7. Colorado Christian University

    Program Options

    Master's
      • Criminal Justice, M.S.
      • Business Administration, MBA - Emphasis in Advanced Accounting
      • Business Administration, MBA - Emphasis in Health Care Administration
      • Business Administration, MBA - Emphasis in Leadership
      • Business Administration, MBA - Emphasis in Project Management
      • Curriculum and Instruction, M.A. - Emphasis in Culturally and Linguistically Diverse
    Bachelor's
      • Communication Studies, B.A.
      • Criminal Justice, B.S.
      • Psychology, B.S.
      • Psychology, B.S. - Emphasis in Biblical Studies
    Associate's
      • Criminal Justice, A.S.
      • Psychology, A.S.
      • Communication Studies, A.A.
      • General Studies, A.A.
      • Business Administration, A.S.
      • Health Care Administration, A.S.
  • Online Programs Available
    8. Northcentral University

    Program Options

    Doctorate
      • Doctor of Business Admin - Applied Computer Science
      • PhD in Business Admin - Applied Computer Science
      • Doctor of Business Admin - General Business
      • PhD-TIM - Computer Science
      • Doctor of Business Admin - Management
      • Ed.D. - Sports Management
  • Online Programs Available
    9. Purdue University Global

    Program Options

    Doctorate
      • Master of Science - DNP Executive Leader
      • Doctor of Nursing Practice (DNP)
      • Master of Science - DNP Path (Doctor of Nursing Practice)
    Master's
      • MS in Psychology - Forensic Psychology
      • Master: Legal Studies
      • MS in Psychology
      • Master of Public Health
      • Master - Accounting
      • Master of Health Informatics
    Bachelor's
      • Bachelor: Liberal Studies
      • Bachelor of Business Admin
      • BSBA - Investment
      • BS in Liberal Studies Leadership
      • Bachelor: Nutrition Science
      • Accelerated MS in Finance Option
    Associate's
      • AAS in Legal Support and Services
      • Associate: Criminal Justice
      • AAS in Information Technology - Multiplatform Software Development
      • Associate of Science in Fire Science
      • AAS in Criminal Justice and Criminology
      • AASIT: Network Admin
    Certificate
      • Medical Assisting Certificate
      • Medical Office Administration Certificate
      • Human Services Certificates in Child and Family Services
      • Graduate Certificate in Addictions
      • Graduate Certificate in Industrial/Organizational Psychology
      • Adult Gerontology Acute Care Nurse Practitioner Certificate
  • Online Programs Available
    10. Liberty University

    Program Options

    Doctorate
      • DBA: Healthcare Management
      • DBA: Marketing
      • DBA: Project Management
      • DBA: Human Resources
      • PHD: Higher Education Administration: Education Leadership
      • EDD: Educational Leadership
    Master's
      • MA: Communication
      • MS: Criminal Justice
      • MA: Professional Counseling (60-hour)
      • Master of Arts in Public Policy - Public Administration
      • MA: Applied Psychology: Developmental Psychology
      • MA: Applied Psychology: Industrial Organizational Psychology
    Bachelor's
      • BS: Psychology
      • BS: Psychology - Christian Counseling
      • BS: Interdisciplinary Studies
      • BS: Business Administration
      • BS: Business Administration: Communications
      • BS: Early Childhood Education in Interdisciplinary Studies

Featured Schools

Georgetown University

  • Masters of Professional Studies in Technology Management
  • Master of Professional Studies in Real Estate

What is your highest level of education completed?

Saint Leo University

  • Doctor of Criminal Justice: Education
  • MS: Criminal Justice
  • BA: Criminal Justice
  • AA: Criminal Justice

What is your highest level of education completed?

Full Sail University

  • Master of Science - Film Production
  • MS - Game Design (Campus)
  • BS - Sportscasting (Campus)
  • Bachelor of Science - Software Development

What is your highest level of education?

Trident University

  • Business Administration (Ph.D.)
  • Master of Arts in Education
  • Computer Sciences (BSCS)
  • Professional Studies (ASPS)
  • CMCB - Certificate in Medical Coding and Billing

What is your highest level of education completed?

Independence University

  • Information Systems (MS)
  • Accounting (BS)
  • Medical Assisting (AOS)

What is your highest level of education completed?

Herzing University

  • MBA
  • B.S. - Business Management With No Concentration
  • Associate of Science - Business Management
  • Diploma: Medical Office Admin

What is your highest level of education?

Colorado Christian University

  • Criminal Justice, M.S.
  • Communication Studies, B.A.
  • Criminal Justice, A.S.

What is your highest level of education completed?

Northcentral University

  • Doctor of Business Admin - Applied Computer Science
  • PhD in Business Admin - Applied Computer Science
  • Doctor of Business Admin - General Business

What is your highest level of education?