I Want To Pay For College Essay

Just about everyone agrees that college should be more affordable. A century ago high school was becoming a necessity, not a luxury; today the same is happening to college. If college is essential for building a career and being a full participant in our democracy as high school once was, shouldn 't it be free, paid for by public dollars, and treated as a right of all members of our country? The average college graduate comes out of college with at least $60,000 in debt and if they went to an Ivy League should that shots up to upward of $100,000 all this debt before they even get their first real job (“Fast Facts”). This is the burden that students have to worry about and then they only have six months to find a job that can cover they loan payments, which can be as much as a couple thousand dollars a month and most working people can’t afford that. These days it is highly emphasized that the responsibility to educate the poor lies on the shoulders of the government. It should be, considering the significant hike in the tuition fees worldwide. In such circumstances, many intelligent and hardworking students miss out on studying in a university due to lack of funds. This not only demoralizes the student, but also has a negative impact on the society as it loses out on its future professionals.

* Create a budget- creating a budget will help you not spend more money than you have. Creating a budget will also help you stay out of debt.

Your budget is where you tell your money what it will do next month. “...I assure you that virtually none of the thousands of winners I have seen did so without a written budget.” Don’t be causal. Get fired up! You can’t do it without focused intensity. All Is Safely Gathered in: Family Finances manual counsels us to simply “Use a Budget,”

I learned, from personal experience, how important it is to budget money properly. I gained this knowledge out of necessity to improve my personal financial situation. First, I began reading several books, articles, and websites on the subject. Next, I began to implement what I learned in my research in small but manageable steps. For example, I used a great software application called mint.com to track my income and expenses. I discovered that tracking my money is an important first step in budgeting my money. I found books like Bottom Line’s Very Shrewd Money Book and Rich Dad Poor Dad very influential in helping me improve my budgeting skills. These books showed me how to budget money properly and also how to use the money to increase my personal wealth.

I choose to attend the University of Florida for the culture of community that exists on the campus. The University of Florida has always been a school that wants its students to succeed, but what is the most interesting aspect is that the students push each other together to achieve their goals. We live in a society where it is a "Man vs Man" world and that only one can succeed. Here at the University of Florida, we challenge those social norms and try to create a pathway that fits for everyone. Here, we just don't have dreams, because as gators, we make those dreams plans and those plans into reality. Being able to accomplish or do something that makes your life fulfilling is what made me want to come to the University of Florida and continue to give back to the place that gave me the chance to improve myself and help others improve too.

A budget is how you avoid going overboard or lose track of your spending. No one wants 5-figures of consumer debt do they? Rule 1 is always budget with your NET income, which is your income after taxes.

College debt can stunt most students from pursuing their college dream and going to their school of choice. Students get scared of the word debt and the numbers that they would be dealing with outside of college. Students are putting aside going to their dream schools because of the fear of how much debt they will get into after college. There are many reasons why people don’t pursue college, or just from not being able to afford it. Students go back and look at not going to their dream college or college at all and regret not taking the challenge and going with what they always wanted to do. Some students experience not being in debt after college and why they think college tuition is right where it needs to be, but others will make shocking choices to not be in debt. College students are choosing not to pursue their dream college or college at all because of finances they would be dealing with after college, debt.

Monetary investment for college is a huge contributing factor into the argument of why many individuals should not go to college. They simply cannot afford it. Their parents cannot help them pay for college, they didn’t receive financial aid, or they cannot support the financial burden themselves. Financial aid is very helpful when I comes to diminishing the cost of college. However, this doesn’t help all the time. I have a friend who

Trying to manage your budget is knowing your credit score, how much money is on your debit card and having insurance to help us save and budget our money. The impact of of a credit score “is a number indicates to lenders to repay the loan you borrow”(Investopedia, para1). If you have good credit score then you can mortgage a house but if you have bad credit will you’ll keep renting a house or not live in a house. With a credit card if you’re using it to make a purchase then you promise to pay the money back, also to that’s how you boost your credit score up. With a debit card if you purchase something it comes out of the account electronically.

For years adults have been questioning whether or not college is worth its cost. Over time the price for college has increased drastically and the potential income of a college graduate is barely following that trend. As colleges become more wealthy and powerful, they’re too pricy for someone to afford without help and debt.

Community college should be free for all students who want to attend school. There should be a set of rules applied to those that would take advantage of this privilege. In the United States, there are not very many programs that offer the opportunity for students to attend free colleges like other countries have. Some examples of the countries are Norway, Finland, Sweden, Germany and France. The U.S. does have some programs that offer free tuition. For example Tennessee offers free tuition to students. The Tennessee Promise is a scholarship program that pays for your community college so you can go there tuition free. Another program is the Accelerated Study in Associate Programs (ASAP) in New York at the City University of New York. Community colleges should be free because it would not only attract more students, but would help students to focus more on school rather than thinking about how they are going to pay for their education. However, we need guidelines for applicants to attend such as maintaining a high GPA, giving back through community services hours, and other rules and guidelines to attract students that would continue to excel in their education and not waste the opportunity given to them to work towards a good career and give back.

Summary - This article by CNN Money discusses 7 different ways to pay for college. College is getting increasingly more expensive and the good thing is most students receive financial aid, but still, there are many students graduating with large amounts of debt. Henceforth, there are ulterior options to make paying for college easier. A few examples, grants, work-study jobs, private scholarships, and claiming tax credits. Some decide to live off campus or to enroll into a community college to help decrease the cost of school. Each method is unique to a student’s circumstances, whether or not they’ll live on campuses not, take a leap year, and or the economic environment they live in. These different factors affect your eligibility for some of these methods such as grants and financial aid. Even without a scholarship, plenty of other methods of paying for college are available.

Some graduates don’t want to go to college because they already make enough money at their current job or they’re not sure what they want to do with their lives just yet. However, there are several graduates who want to go to college but simply can’t afford it.

Families are now aiming low when it comes to college- or are simply not going at all. Money could play a huge part in this decision- after all, the cost of college has skyrocketed over the years, and so has the amount of student loan debt. This is something even Leonhardt admits, stating that, because of this, only about 33 percent of young adults get a four-year college degree today, while another 10 percent receive a two-year degree (Leonhardt). And even though many colleges offer financial aid packages, that money may soon be cut and the cost of college will continue to grow. It is true that, in my personal experience, just because a student is awarded financial aid does not mean they have a golden ticket to University. This leaves many desperate students the only option of taking out as many loans as they think they can handle- often more than they should. Debt is not a new issue for America, but it is still a problem. Although David Autor, an M.I.T. economist, laments: “not sending [young adults] to college would be a disaster”, no one can ignore the rising rates of loan defaults, and some think it

According to Katey Troutman, 04 Apr. 2016, the average middle class family makes about 52,000 a year. At most public universities, only about 19 percent of full-time students earn their bachelor’s degree in about four years. Studies show that only 59 percent of students who began as freshmen at a four-year college in the fall, received their diplomas within six years. Across the nation, only about 50 of more than 580 public four-year institutions graduate a majority of their full-time students on time. Most students are smart enough to go to a community college to get their general education done, and then go onto a bigger college to finish getting their degree. The problem with community college is that five percent of full-time students earned an associate degree within two years, and 15.9 percent earned a one to two-year certificate. Most students that end up finishing college, end up going in debt. Depending on the college that some students want to go to and how long they want to go for, even if they are paying for about a third of their college tuition, that probably won’t pay for all the years that they want to go to college. The only problem with that is there are some parents out there who expect their kids to pay for college themselves. According to “When should you start saving for college? - NerdWallet”. 09 Sekar (2014.) Students should have their parents saving money for college before they are even born. From 2009-2010, the average tuition at a public four-year university was $15,000, and at a private school it was $35,000. College has doubled in price in the past decade, than what it was back