college debt

college debt

Is College a Waste of Money?

Several new studies found that an American college education may not be worth the money. The Pew Research Foundation polled 2,142 adults and  about what they think of higher education and its hefty price tag.

Pew found:

  • More than half (57 percent) of Americans polled said that a college education isn’t worth the money.
  • A large majority (75 percent) said that a college education is unaffordable.

On the other hand, the majority of Americans still believe that a higher education is important, as further research showed:

  • Ninety-four percent of parents said they want, and expect, their children to go to college.
  • Eighty-six percent of graduates said their degree was a good investment.

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Credit Cards Hold Risky Future Implications for Students

Empty pockets are a common problem college students face. The financial demands of housing, books, tuition, transportation and living expenses are challenging enough. Forget about having extra money for movies, eating out, clothes, vacations and other money gobbling activities that college students wish they had the cash for.

Credit card companies know this best, and that’s why they target students with “too good to pass up” deals. It may seem like a great deal to score a free meal at the local sandwich shop just for filling out a credit card application, but the implications of credit cards for college students are not worth the free lunch.

Go to any neighborhood surrounding a college campus and chances are you’ll see tables stacked with credit card applications offering free food, books, gift cards, etc. Card companies know that the future implications of credit card debt may not be the foremost thought to a hungry, broke student when the opportunity for free stuff presents its self. The result creates a naïve credit-card yielding college student with a free sandwich.

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How To Graduate Without Debt

MoneyIt is no secret that college is normally synonymous with debt but here are simple tips on how to graduate without destroying your credit score:

  • 1. Create a spending plan: Habits are hard to break, so even if your cash intake is minimal now, it’s important to figure out how you’re currently going to dispense it so you get into the habit of staying on course with a plan.

2.   Save something: Even if it is only 50 cents to a dollar a day, change can add up. Set aside an amount daily that you can commit to so that you become accustomed to delegating a portion of your income to a savings account.

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10 Best Value Colleges

More students save for college than for anything else! Smart kids!

The country’s economy has officially been in a recession for more than two years. This has made paying for a college education increasingly difficult for many students. It is not only harder to find a job, but it is becoming more difficult to find financial aid as government aid programs and private scholarships decrease in number. For many students, attending college is becoming more and more of a distant dream, due to financial limitations only.

In an effort to help students get the most bang for their buck, Kiplinger has released their list of the best values in higher education for the 2009-2010 school year. Kiplinger is a private company based in Washington, D.C. that publishes business forecasts and personal finance advise. They ranked the schools based on overall value, which is a combination of cost and quality of education.

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Economy Extends College Career by Two Years

presitigous schoolMost people think that when students are applying to colleges, they are looking for the most prestigious school; students must want to go to the school that offers the best degrees for their fields. However, this isn’t really the case.

A new study by Public Agenda said that students are more concerned with how much an education will end up costing them than with the prestige associated with each school.

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