Earn A Debt Free College Degree

Every parent wants the best for their child. That’s why they send them to college! But most parents struggle to pay for school and end up turning to student loans. That’s why the majority of graduates walk away with $35,000 in student loan debt and no clue what that debt will really cost them.1 Student loan debt doesn’t open doors for young adults—it closes them. They postpone getting married and starting a family. That debt even takes away their freedom to pursue their dreams. But there is a different way. Going to college without student loans is possible! In Debt-Free Degree, Anthony ONeal teaches parents how to get their child through school without debt, even if they haven’t saved for it. He also shows parents: *How to prepare their child for college *Which classes to take in high school *How and when to take the ACT and SAT *The right way to do college visits *How to choose a major A college education is supposed to prepare a graduate for their future, not rob them of their paycheck and freedom for decades. Debt-Free Degree shows parents how to pay cash for college and set their child up to succeed for life.

This book can save you more than $100,000. These days, most people assume you need to pay a boatload of money for a quality college education. As a result, students and their parents are willing to go into years of debt and potentially sabotage their entire financial futures just to get a fancy name on their diploma. But Zac Bissonnette is walking proof that this assumption is not only false, but dangerous-a class con game designed to rip you off and doom your student to a post-graduation life of near poverty . From his unique double perspective-he's a personal finance expert (at Daily Finance) AND a current senior at the University of Massachusetts-Zac figured out how to get an outstanding education at a public college, without bankrupting his parents or taking on massive loans. Armed with his personal knowledge, the latest data, and smart analysis, Zac takes on the sacred cows of the higher education establishment. He reveals why a lot of the conventional wisdom about choosing and financing college is not only wrong but hazardous to you and your child's financial future. You'll discover, for instance, that: * Student loans are NOT a necessary evil. Ordinary middle class families can- and must-find ways to avoid them, even without scholarships. * College "rankings" are useless-designed to sell magazines and generate hype. If you trust one of the major guides when picking a college, you face a potential financial disaster. * The elite graduate programs accept lots of people with non-elite bachelors degrees. So do America's most selective employers. The name on a diploma ultimately won't help your child have a more successful career or earn more money. Zac can prove every one of those bold assertions - and more. No matter what your current financial situation, he has a simple message for parents: "RELAX! Your kid will be able to get a champagne education on a beer budget!"

Earn An Accredited College Degree Without Student Loans! Not a day goes by that reports of the ever-increasing costs of higher education are making the news. In order to earn that coveted credential we have to take on a mountain of debt to pay for it, right? And in the society we now live in if you don't have that coveted credential, it can be very difficult to get started in a good-paying career. What's a person to do? Good news...You don't have to take on a mountain of debt to earn an accredited college degree. In fact, it's even possible to earn a college degree for free if you know how the system works. And there are many ways to earn inexpensive college credits that colleges and universities don't want you to know about. Why do they want this information kept secret? Simple...because they are raking in the cash from your tuition money and they don't want the gravy train to stop. Earn A Debt-Free College Degree! is a book that explodes the myth that earning a college degree requires a lot of money (and a big student loan that takes years to pay off). The book shows you how to earn an accredited bachelor's degree for anywhere from free to no more than $15,000(and half this amount for associate's degrees). The best part about the strategies the book presents is that they do not rely on scholarships. That's the major difference between this book and all the other books on the market that claim they can help you lower your tuition bills. Nearly all of those books talk about scholarships. These books make it sound like businesses and organizations have scholarship money just lying around and they are just looking for someone to give it to. It all sounds oh so easy, doesn't it? There's just one problem with this...thousands of other students have read those same books and they are all applying for the same scholarships you are. It takes many hours of work to search scholarship databases, fill out all those applications, and write essays. And then it becomes a waiting game to see if a scholarship committee picks you out of hundreds of applicants. You don't have to worry about such an uncertain way to pay for college. There is a better way. Earn A Debt-Free College Degree! presents simple strategies that nearly anyone can implement. You don't have to be a stellar student with amazing grades, either. Your previous academic achievements won't matter. Here are just a few things you'll discover in the book: - Learn how to obtain textbooks for pennies on the dollar - Discover more than a dozen colleges and universities in the U.S. that don't charge tuition to any students who are accepted (and five of these don't charge room and board, either) - Find out how you can earn college credit that is accepted by nearly 1,900 college and universities in the United States by taking and passing one single multiple-choice exam. Most schools will accept up to 30 credit hours into a degree program from this type of credit. And it gets even better. It's possible to earn 30 credit hours with this strategy for under $1,000. - Discover how you can earn a four-year degree in only three years or even two years in some cases. - Learn how you can turn previously completed training courses through your job, volunteer organization, and others into usable college credit. Most colleges and universities accept this type of credit but too few know about it. - Discover the amazing educational benefits available for military personnel (either full-time, Guard, or reserves personnel). Learn how you can go from zero college credits all the way to a doctorate on the government's tab. - And many others. We've become accustomed to the idea that earning a college degree is something that is very expensive. It's time to destroy that myth. Let this book show you the way.

Nearly 70% of students graduate with close to $30,000 in debt. But you don't have to be one of them! In these pages, acclaimed author Kristina Ellis walks you through the wide world of college-finance options, presenting tips, secrets, and strategies so you can develop a personalized plan. A plan to overcome obstacles and get your degree debt-free. With Kristina as your mentor, you'll discover how to: -Establish a winning money mindset -Save up and cut costs before you get to campus -Figure out the dollars and sense of financial aid -Secure your share of free cash for college -Earn money to pay as you go -Choose a school and a major that's worth it -Stretch your funds when every penny counts With determination, the right information, and a well-planned strategy, you can earn that career-advancing degree and graduate from college debt-free. #NotGoingBroke

If you're a teacher, legislator, or parent who's encouraging students to go to college, but are concerned about today's high cost of education and how they will pay for college, look no further. The answer and methods to a debt-free college lies within this book. However, you must do your homework, take responsibility for your financial life, your actions and your future. The easy but long-term painful way is to take out loans or - even worse - charge tuition bills to a credit card. After reading this book, you'll know how to: - provide a financial education to children while they're living with you or in your class; - ensure children use student loans (if they're necessary) for the right things; - find alternatives to help students pursue a debt-free college education; - avoid predatory lending practices that endanger the future for individuals and their families. Student loans will not guarantee the American dream; in fact, they may guarantee the loss of it. Will your college graduate, former student, or constituent be left wondering, "If I'm so smart, gifted, and educated, then why am I so broke?" Whether you're a parent, educator, legislator, or college-bound student, you'll learn how college students can navigate the challenges of paying for an education with the lessons, insights, and alarming data in Charley's America. www.charleygreen.com

Education should NOT be a DEBT sentence If you've been told, "The only way you can go to college is to take out loans," you've been lied to! With the student loan debt crisis continuing to spiral out of control, this book proves that IT IS POSSIBLE to earn a degree without amassing tens of thousands of dollars in debt. Learn from not only the author's story of earning two debt-free degrees, but from other individuals who also achieved the same accomplishment - all through a variety of methods. The book provides relevant information to help potential higher education students graduate debt free by: - Understanding the real cost of college Learning how to find millions in unused scholarship and grant money Exploring more cost-efficient means to traditional college Saving money while in college - yes, it is possible! This book serves as the "answer" to the student loan debt crisis and is designed to provide strategies and offer hope to individuals who desire to avoid student loan debt and graduate debt free. The author has lived on both sides of this crisis as his wife once held $60,000 in student loan debt while he was fortunate to earn two debt-free degrees. This book was created to inspire and encourage you to realize that IT IS POSSIBLE to walk across that stage and be handed a diploma instead of receiving bills in the mail for student loan debt to be repaid. Additionally, it shows you that life can be lived a different way-a way that does not include constantly feeling stress, anxiety, and depression over money. Did You Know? 70% of college students graduate with debt. Become part of the 30%!

It seems like pretty much everybody – homeowners, students, those who are ill and without health insurance, and, of course, credit card holders – is up to their neck in debt that can never be repaid. 77% of US households are seriously indebted and one in seven Americans has been pursued by debt collectors. The major banks are bigger and more profitable than before the 2008 crash, and legislators are all but powerless to bring them to heel. In this forceful, eye-opening survey, Andrew Ross contends that we are in the cruel grip of a creditocracy – where the finance industry commandeers our elected governments and where the citizenry have to take out loans to meet their basic needs. The implications of mass indebtedness for any democracy are profound, and history shows that whenever a creditor class becomes as powerful as Wall Street, the result has been debt bondage for the bulk of the population. Following in the ancient tradition of the jubilee, activists have had some success in repudiating the debts of developing countries. The time is ripe, Ross argues, for a debtors’ movement to use the same kinds of moral and legal arguments to bring relief to household debtors in the North. After examining the varieties of lending that have contributed to the crisis, Ross suggests ways of lifting the burden of illegitimate debts from our backs. Just as important, Creditocracy outlines the kind of alternative economy we need to replace a predatory debt-money system that only benefits the 1%.

Is it still worth it for low-income students to attend college, given the debt incurred? This book provides a new framework for evaluating the financial aid system in America, positing that aid must not only allow access to higher education, but also help students succeed in college and facilitate their financial health post-college. Higher education plays a critical role in the economy and society of the United States, creating a ladder of economic opportunity for American children, especially for those in poverty. Unfortunately, higher education today increasingly reinforces patterns of relative privilege, particularly as students without the benefit of affluent parents rely more and more on student loans to finance college access. This book presents penetrating new information about the fiscal realities of the current debt-based college loan system and raises tough questions about the extent to which student loans can be a viable way to facilitate equitable access to higher education. The book opens with relevant parts of the life stories of two students—one who grew up poor and had to take on high amounts of student debt, and another whose family could offer financial help at critical times. These real-life examples provide invaluable insight into the student debt problem and help make the complex data more understandable. A wide range of readers—from scholars of poverty, social policy, and educational equality to policymakers to practitioners in the fields of student financial aid and financial planning—will find the information in this text invaluable.