Uprova Bar
August 15, 2023

If you have teenagers or are looking to advance in your career through education, chances are you’re planning for college costs. The soaring costs of higher education are making it more challenging for individuals to get that degree. Between 2000 and 2021, average tuition and fees have jumped by 69%. In-state tuition and fees at public national universities have grown the most, increasing 175%.

Fortunately, there are several strategies you can implement to lessen the financial burden of college costs. By putting money-saving tactics to use, you can make college more affordable and avoid compromising on the quality of education.

1. Scholarship Scouting: Uncover Hidden Opportunities

When searching for college funding options, students should actively seek out scholarships, grants, and fellowships to avoid acquiring debt. These types of programs can be found through various sources, such as community organizations, professional associations, and corporations. Dedicating time and effort to researching these opportunities can provide substantial savings. Consider applying for scholarships aligned with your academic achievements, extracurricular activities, or specific fields of study. Remember, every dollar secured through scholarships is a dollar saved in student loans and interest.

2. Dual Enrollment Programs: Accelerate Your Journey

Dual enrollment programs provide an excellent opportunity for high school students to earn college credits before they graduate. By enrolling in these programs, you can gain a head start on your college education, effectively shortening your time in college and reducing tuition fees. Many colleges offer dual enrollment programs, allowing motivated students to complete college-level courses and transfer credits to their future university. This approach not only lessens overall college costs, but also grants you a competitive edge over other students. Managing college courses with your regular school load can be challenging, but you may be able to take advantage of a summer program.

3. Community College Pathway: A Cost-Effective Choice

While attending a four-year university offers many benefits including many social opportunities, community colleges are much more affordable. Community college tuition can be as little as $3,500 a year compared to around $35,000 for out of state universities. By attending a community college for the first two years of your degree, you can significantly reduce the overall cost of your higher education. Many students take their general education courses at community college and then transfer to a university to complete the courses required for their degree. This strategy enables you to experience college life, establish a solid academic foundation, and save a considerable amount of money. It’s also a good strategy if you didn’t have the best grades in high school and want to get into a good university. Be sure to meet with your counselor to confirm which courses you need to take to transfer and which credits are transferable to avoid issues.

4. Work-Study Programs: Earning While Learning

Work-study programs provide an invaluable opportunity to earn income while pursuing your degree. These programs, offered by many colleges and universities, allow students to work part-time on campus or in the surrounding community. By participating in a work-study program, you can offset some of your college expenses and gain practical work experience simultaneously. Seek out job opportunities that align with your interests or major as this can be an excellent way to build relevant skills and bolster your resume. Getting a job after college is challenging if you don’t have relevant work experience. A work-study program can help you boost your resume and land a job faster after school.

5. Online Education: Flexibility and Affordability

In recent years, online schools have gained significant popularity as a flexible and cost-effective alternative to traditional campus-based learning. Many reputable universities offer online degree programs that provide the same quality education as their on-campus programs. Online courses often come at a fraction of the cost of in-person classes and provide the flexibility to study at your own pace, allowing you to balance work and other commitments. Exploring online education options can open up a world of possibilities while minimizing your college expenses.

6. Graduation Acceleration: Finish Ahead of Schedule

Completing your degree ahead of schedule can translate into substantial savings. If you are paying for on-campus or off-campus housing and meal programs while in school, you could benefit by graduating sooner. Meeting your counselor when you first get to school can help you map out exactly which courses you need to graduate and when to take them. Some courses that are required for graduation can be hard to get into and have waiting lists, so the sooner you can get those done, the faster you can graduate. Consider taking advantage of summer school to finish faster.


A college education is still a valuable asset and required for some careers. You can cut college costs in many ways. Scholarships and grants can cover some or all of your tuition and other college expenses. Taking some college courses at a community college during high school can cut costs and the time it takes to graduate. Attending a community college for the first two years of your education can significantly reduce tuition fees. A work-study program can help you pay for college and boost your resume. Some colleges offer online programs which can be cheaper than attending in-person. If you take summer school and map out your courses in advance, you could finish college faster and spend less on housing and other expenses.

If you need funding up to $5,000, Uprova can help. Get started online today.

The content of this website is for informational purposes only. Nothing on this website constitutes financial or professional advice. Consult a professional for advice suitable to your personal circumstances.

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