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. George Mason University

    Program Options

    Master's
      • Master of Education in Special Education, specializing in Applied Behavior Analysis
      • Master of Health Administration in Health Systems Management
      • Master of Science in Health Informatics
      • Master of Education in Special Education, specializing in Autism Spectrum Disorder
    Certificate
      • Applied Behavior Analysis Certificate
      • Autism Spectrum Disorder Certificate
  • Online Programs Available
    2. The George Washington University

    Program Options

    Master's
      • MSHS in Health Care Quality
      • Masters in Interdisciplinary Secondary Transition Services
      • Master of Arts in Education and Human Development in Special Education for Culturally and Linguistically Diverse Learners
      • Master of Arts in Education and Human Development in Educational Leadership and Administration
      • Master of Arts in Education and Human Development in Educational Technology Leadership
      • Master of Arts in Education and Human Development in Organizational Leadership and Learning
    Certificate
      • Graduate Certificate in Health Care Quality
      • Graduate Certificate in Multimedia Development
      • Graduate Certificate in Special Education for Culturally and Linguistically Diverse Learners
      • Graduate Certificate in Transition Special Education
      • Education Specialist in Educational Leadership and Administration
      • Graduate Certificate in E-Learning
  • Online Programs Available
    3. Georgetown University

    Program Options

    Master's
      • Master of Science in Finance
      • Masters of Professional Studies in Technology Management
      • Master of Professional Studies in Real Estate
  • Online Programs Available
    4. Kaplan University

    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
      • MSCJ: Law
      • Master: Legal Studies
      • MS in Psychology
      • Master : Business Admin
      • Master: Psychology/General Psychology
      • MSPY - Industrial/Organizational Psychology Specialization
    Bachelor's
      • Undergraduate in Legal Studies
      • Bachelor: Liberal Studies
      • Bachelor of Business Admin
      • BSBA - Investment
      • BS in Liberal Studies Leadership
      • Bachelor: Nutrition Science
    Associate's
      • AASBA in Business
      • AAS in Legal Support and Services
      • Associate: Business Admin.
      • Associate: Business Admin. - Office Mgmt
      • Associate: Criminal Justice
      • Associate: Accounting
    Certificate
      • Psychology
      • Medical Assisting
      • Certificate in Human Services
      • Medical Office Administration
      • Human Services Certificates in Child and Family Services
      • Postbaccalaureate Certificate - Pathway to Paralegal
  • Online Programs Available
    5. 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
    6. Johns Hopkins University

    Program Options

    Master's
      • Master of Arts in Communication
      • Master of Liberal Arts
      • Master of Arts in Science Writing
      • Master of Science in Applied Economics
      • Master of Science in Geographic Information Systems
      • Master of Science in Bioinformatics
    Certificate
      • Certificate in Government Analytics
      • Post-Bachelor's Certificate in Applied Research for Communication
      • MS in Food Safety Regulation
      • Certificate in Science Writing
      • Certificate in Science, Technology, and International Security Studies
      • Post-Master's Certificate in Sequence Analysis and Genomics
  • Online Programs Available
    7. Grand Canyon University

    Program Options

    Doctorate
      • DBA - Management
      • Doctor of Nursing Practice (DNP)
      • EdD in Organizational Leadership - Health Care Administration
      • EdD in Organizational Leadership - Special Education
      • Ph.D. in General Psychology - Cognition and Instruction
      • Ph.D. in General Psychology - Industrial and Organizational Psychology
    Master's
      • M.S. Psychology with an Emphasis in Gerontology
      • M.S. in Psychology with an Emphasis in Human Factors
      • MA in Curriculum and Instruction
      • MS in Criminal Justice: Legal Studies
      • MS in Psychology: General Psychology
      • M.B.A. with an Emphasis in Project Management
    Bachelor's
      • Bachelor of Science in Business for Secondary Education
      • BS in Applied Management
      • BS in Psychology
      • B.S. in Psychology with an Emphasis in Performance and Sports Psychology
      • Bachelor of Science in Elementary Education
      • BS in Accounting
    Certificate
      • Graduate Certificate of Completion in GeroPsychology
      • Graduate Certificate of Completion in Industrial and Organizational Psychology
      • Graduate Certificate of Completion in Forensic Psychology
      • Graduate Certificate of Completion in Health Psychology
      • Graduate Certificate of Completion in Human Factors Psychology
      • Graduate Certificate of Completion in Life Coaching
  • Online Programs Available
    8. University of Delaware

    Program Options

    Master's
      • Master of Public Administration
      • Master of Business Administration
      • Master of Business Administration - Finance
      • Master of Business Administration - Healthcare Concentration
      • Master of Business Administration - International Business
      • Master of Education in Teacher Leadership
  • Campus and Online Programs
    9. Judson University

    Program Options

    Master's
      • Master of Arts in Organizational Leadership Online
      • Master of Business Administration Online
    Bachelor's
      • Bachelor of Arts in Applied Psychology Online
      • Bachelor of Arts in Business Administration - Entrepreneurship - Online
      • Bachelor of Arts in Business Administration - Human Resource Management - Online
      • Bachelor of Arts in Business Administration Online
      • Bachelor of Arts in Human Services Online
      • Bachelor of Arts in Organizational Leadership Online
    Associate's
      • Associate of Arts
  • Online Programs Available
    10. Purdue University

    Program Options

    Master's
      • Master of Science in Communication
      • Master of Science in Education in Special Education
      • Master of Science in Engineering Technology
      • Master of Science in Hospitality and Tourism Management
      • Master of Science in Education in Learning Design and Technology
    Certificate
      • Graduate Certificate in Strategic Communication Management

Featured Schools

George Mason University

  • Master of Education in Special Education, specializing in Applied Behavior Analysis
  • Master of Health Administration in Health Systems Management
  • Applied Behavior Analysis Certificate
  • Autism Spectrum Disorder Certificate

What is your highest level of education?

The George Washington University

  • MSHS in Health Care Quality
  • Masters in Interdisciplinary Secondary Transition Services
  • Graduate Certificate in Health Care Quality
  • Graduate Certificate in Multimedia Development

What is your highest level of education?

Georgetown University

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

What is your highest level of education completed?

Kaplan University

  • Master of Science - DNP Executive Leader
  • MSCJ: Law
  • Undergraduate in Legal Studies
  • AASBA in Business
  • Psychology

Which subject are you interested in?

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?

Johns Hopkins University

  • Master of Arts in Communication
  • Master of Liberal Arts
  • Certificate in Government Analytics
  • Post-Bachelor's Certificate in Applied Research for Communication

What is your highest level of education?

Grand Canyon University

  • DBA - Management
  • M.S. Psychology with an Emphasis in Gerontology
  • Bachelor of Science in Business for Secondary Education
  • Graduate Certificate of Completion in GeroPsychology

What is your highest level of education?

University of Delaware

  • Master of Public Administration
  • Master of Business Administration
  • Master of Business Administration - Finance

What is your highest level of education completed?