“Remember,  what you possess in the world will  be found at the day of your death to belong to someone else, but what you are will  be yours  forever” _Henry Van Dyke

 “To find out what one is fitted to do and to secure an opportunity to do it, is the key to happiness” _John Dewey

“An investment in knowledge always pays the best interest” _Ben Franklin


How to Save for College

Credit cards and budget

Quottly   finds college students the best and cheapest courses, not just at their school, but across all schools. While the average student can pick between a couple of thousand courses offered by their school each semester, they search more than one million courses, and only show ones that count for the student’s degree. Many of the courses that they list are cheaper than the options at the student’s home school.


College ScorecardFind the college that's the best fit for you! The U.S. Department of Education's 

College Scorecard has the most reliable data on college costs, graduation. You can search by program, degree, location, site,

name of school and will give you information about costs of school, graduation rate, median income



Pocket Points helps college students overcome their smartphone addiction by rewarding

 them for not using their phone in class.
Want to know how much it costs to go to a specific School? Just Google it......ask..."How much it cost to got to ___________?"

6 Websites to Help You Find the Cheapest Textbooks: The high cost of college tuition is just the beginning. Textbooks can set you back a small fortune. Here are 6 tools to assist you in saving money on textbooks.
Fastweb the leading online resource in finding scholarships to help you pay for school. It is free and the most authentic source in the country for scholarships.
 The transition between high school and college is a tough one. It takes much more motivation and determination to not only become admitted into a school but also to pay for it. Having a handy scholarship guide is useful for students who need the extra boost. Fortunately, many books about scholarships and guides about how to receive them are readily available. Check out  Ten Best Scholarship books
If you want to start saving for your children’s college, open a 529 plan which is an education savings plan operated by a state or educational institution. The 529 plan is designed to help families set aside funds for future college costs which include special tax benefits. Got to to learn how to open one. A new way to earn money for college. With, anyone can earn money (micro-scholarship) for college starting in 9th grade based on their achievements in school and life

The first place to go for information about scholarships, grants, work study programs and financial aid should be the financial aid office of the college or university your child wants to attend.
Tip: Always apply for FAFSA even if you think you don't qualify. If you are a high income earner your child may qualify for a merit scholarship. If you have several children , you may qualify in spite of the high income.  And.. you never know your situation can change.

 For example: There is the Federal Pell Grant which is awarded to undergraduate college and university students on a financial need basis. Use a free calculator at  to figure out your financial need, EFC (expected family contribution) and financial aid. Click on calculators and then look under Needs Analysis. There is also the Federal Supplemental Educational Opportunity Grant which is awarded to undergraduate students who demonstrate exceptional financial need (whose family EFC is very low). Other programs to ask about: The Robert C. Byrd Scholarship that provides financial aid to students who have demonstrated outstanding academic achievement.


Many local companies offer scholarships. Call the chamber of commerce for information. Examples of companies offering them: the Coca-Cola Scholars foundation offers awards to high school seniors $10,000-$20,000 for achievement in the community and the classroom 


The College Board keeps track of average college costs, comparing sticker price and affordability. Go to for information.

There are hundreds of thousands of scholarships and fellowships awarded each year. Some are academic based; others are awarded based on personal interests, talents and skills. There is no limit to the number of scholarships your child can amass. Example: Ben Kaplan used his spare time during his senior year of high school to apply for dozens of scholarships from all kinds of sources and graduated debt free from Harvard with a degree in economics. Learn more on how he did it by going to his website or even better buy his book How to go to College almost for Free 

Some excellent scholarship search engines are , and .

Go to a State College or University instead of using private schools. You will save thousands. To find the top 50 public national universities go to and look for public institutions.

Use a Community College for the first two years of university education. There are many community colleges in the US offering transfer degree programs. Students take courses for the first two years of university and come out with a two year degree. Most four year schools will allow all or some of the credits earn at the community college. In many cases, community college students are allowed to enter as a third year undergrad. The national average annual tuition of a community college is less than half of the average four year college. Learn about community colleges in your area at the American Association of Community Colleges website Make sure before enrolling that the Community College has transfer degrees.


Take advantage of the Advanced Placement Program. Most American colleges and universities will award credits and advance standing to students who score well on the Advance Placement (AP) exams. By taking the right courses in high school or community colleges, gifted students can rack up AP credits. AP exams give students the opportunity to earn credit or advance standing at most colleges and universities.  Learn more about the Advance Placement Program at

 You can also find free SAT tests at so you can practice and boost your score.


The College Level Examination Program (CLEP) gives students of any age the opportunity to demonstrate college-level achievement by scoring well on an undergraduate course examination without actually taking a class.  There are 2,900 colleges that grant credit and/or advance standing for CLEP exams. You only pay for the cost of the exam ($60) and if you or your child passes you avoid taking the actual course saving time and hundreds or thousands of dollars. To find a list of the 2,900 participating colleges go to


Take advantage of Tuition Assistant Programs at work.


If you are an adult considering going back to school go to “Back to College” ( a website devoted to helping adult students go back to college.


Some colleges require the students to work part time on campus reducing some of the tuition cost (or even getting it free). Find more information at There is also the Federal Work-Study Program that provides jobs for undergraduate and graduate students based on financial need so students can supplement their college costs. The program encourages jobs related to a student’s course of study or jobs that provide community service.  You can get more information and application for this program through the financial aid office of the college or university your child hopes to attend.


Student Aid on the Web is the US Department of Education’s site for free information on preparing for and funding education beyond high school.


USA Funds is a nonprofit corporation that works to enhance postsecondary education preparedness, access and success by providing and supporting financial and other valued services. USA Funds links colleges, universities, private career schools, private lenders, students and parents to promote financial access to higher learning. from the US Department of education features more information on student aid, colleges, technical schools and grants.



Find billions in merit-based scholarships at Just type the name of the school to find opportunities.



Visiting different colleges can get pricey with the cost of food, fuel and lodging. First log on to which links to free virtual online college tours so you can decide before hand if you really do want to visit any of them.


Get a listing of books you need for college before classes begin and visit the campus bookstore and purchase used course books instead of paying full price for new ones. Search the Web for book discounts like,, and

Students who need an extended rental or just a quick research reference can find flexibility at which has rental periods ranging from one to four months.

Other places to look for bargains are and



You can take courses in practically anything online. Visit for information about more than 2,000 online degrees and certificates offered by more than 150 institutions.

Free college classes. Many universities including John Hopkins University, Massachusetts Institute of Technology and the University of   Notre Dame are posting course materials online with free access for everyone. Find a listing of more schools at You don’t pay tuition and won’t earn credits towards a degree.


See real examples of college financial aid award letters and plan your own strategy at is a free website built by current students at various colleges were you can get college reviews, photos and videos

Check America’s Best colleges at and look for “ranking-best colleges”

log on to  which is free textbook swap sites were students can buy, sell or trade

Limiting student debt | Consumer Reports