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HTML <html> <head> <title>Avoid Student Debt Like the Plague</title> </head> <body> <h1>Avoid Student Debt Like the Plague</h1> <div class="info">Author: <a href="author_1_100406.html">echo_promotions</a></div><div class="body">Most college students must face debt sometime during their higher education. Nevertheless, this does not mean that we should be okay with racking up debt. This article gives a couple alternatives to acquiring student loans, tips on how to pay off student loans if you already have them, and good cash saving habits.<br /> <br /> <b>Avoiding Loans:</b> <br /> <br /> Obtaining a scholarship or grant is the best alternative to getting a student loan because you don't have to pay them back. Scholarships can be found most places and they are awarded for various reasons. Look for scholarships at the college you desire to attend (or are attending), at organizations in your area, and online. <br /> <br /> Some businesses and organizations which award scholarships are the Lions Club, Optimist, Girls & Boys Club, and Retail Stores. Internet sites that find scholarships for you are FastWeb.com, Scholarships.com, and FreeScholarshipGuide.com. Grants can be found at fafsa.ed.gov.<br /> <br /> One other way to avoid student loans is to find a high paying full time job during the summer and a part-time job during the school year. Consider your talents and skills to find a job that's right for you. <br /> <br /> <b>How to Pay Off Loans:</b> <br /> <br /> If repaying your student loans as painlessly as possible is your goal, consider the following recommendations. It may be difficult for the first little while, but soon a good habit will form and it will become simple and easy:<br /> <br /> -Lock in a Low Rate: Look around for a loan with a low, locked in interest rate. <br /> <br /> -Pay Through School: If your loan does not require you to pay while you are in school, do it anyway. This can save you a good deal of money. <br /> <br /> -Never Miss a Payment: Bad habits are easy to form and hard to break. Don't get into the habit of missing payments. <br /> <br /> -Pay More than the Minimum: If you make larger payments than what is required, you will have that loan paid off in no time.<br /> <br /> <b>Money Saving Habits</b><br /> <br /> Usually debt difficulties come because of the complacent way we spend our money. Many individuals just scrape by no matter how much money they make. This is because of their bad spending habits. <br /> <br /> A great way to break these habits is to form new ones. Try looking for sales, shopping at discount stores, eating out less frequently, and attending matinees rather than evening movies. Certain movie theaters even offer discounts to students. If you can, share an apartment with many people. Think about living without a car. This'll save you a lot of gas money. Whenever you go out shopping consistantly ask the question "Do I truly need it?" before you buy anything and never shop for groceries if you're hungry. <br /> <br /> Do not cheat your future self by racking up the debt in your college years. Follow the advice in this article and you will finish college with small debts or even debt free! You'll be grateful you made the decision! <br /> <br /> NOTE: Use of this article requires links to be intact.<br /> <br /> A college student herself, Elise Fisher enjoys writing articles for her website <a href="http://www.about-student-loans.com/" >About Student Loans</a>. Be sure to check out the <a href="http://www.about-student-loans.com/managing-student-debt/" >Managing Student Debt</a> page.</div> <div class="source">Article Source: <a href="http://www.articlealley.com/article_193007_19.html">http://www.articlealley.com/article_193007_19.html</a></div> <div class="author"> <div class="authorBio"></div> <div class="authorUrl"><a href="http://www.about-student-loans.com" target="_blank">http://www.about-student-loans.com</a></div></author> </body> </html>
Text Avoid Student Debt Like the Plague Author: echo_promotions Most college students must face debt sometime during their higher education. Nevertheless, this does not mean that we should be okay with racking up debt. This article gives a couple alternatives to acquiring student loans, tips on how to pay off student loans if you already have them, and good cash saving habits. Avoiding Loans: Obtaining a scholarship or grant is the best alternative to getting a student loan because you don't have to pay them back. Scholarships can be found most places and they are awarded for various reasons. Look for scholarships at the college you desire to attend (or are attending), at organizations in your area, and online. Some businesses and organizations which award scholarships are the Lions Club, Optimist, Girls & Boys Club, and Retail Stores. Internet sites that find scholarships for you are FastWeb.com, Scholarships.com, and FreeScholarshipGuide.com. Grants can be found at fafsa.ed.gov. One other way to avoid student loans is to find a high paying full time job during the summer and a part-time job during the school year. Consider your talents and skills to find a job that's right for you. How to Pay Off Loans: If repaying your student loans as painlessly as possible is your goal, consider the following recommendations. It may be difficult for the first little while, but soon a good habit will form and it will become simple and easy: -Lock in a Low Rate: Look around for a loan with a low, locked in interest rate. -Pay Through School: If your loan does not require you to pay while you are in school, do it anyway. This can save you a good deal of money. -Never Miss a Payment: Bad habits are easy to form and hard to break. Don't get into the habit of missing payments. -Pay More than the Minimum: If you make larger payments than what is required, you will have that loan paid off in no time. Money Saving Habits Usually debt difficulties come because of the complacent way we spend our money. Many individuals just scrape by no matter how much money they make. This is because of their bad spending habits. A great way to break these habits is to form new ones. Try looking for sales, shopping at discount stores, eating out less frequently, and attending matinees rather than evening movies. Certain movie theaters even offer discounts to students. If you can, share an apartment with many people. Think about living without a car. This'll save you a lot of gas money. Whenever you go out shopping consistantly ask the question "Do I truly need it?" before you buy anything and never shop for groceries if you're hungry. Do not cheat your future self by racking up the debt in your college years. Follow the advice in this article and you will finish college with small debts or even debt free! You'll be grateful you made the decision! NOTE: Use of this article requires links to be intact. A college student herself, Elise Fisher enjoys writing articles for her website About Student Loans. Be sure to check out the Managing Student Debt page. Article Source: http://www.articlealley.com/article_193007_19.html About the Author: http://www.about-student-loans.com
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