Start at a community college, working your way through so you can make sure that's what you want to study Then transfer to a state college for your degree 📜 😀👍
I went to a commonwealth campus, got a good gpa and have been in state college for 2 semesters now. Its the way to do to it! Double major in engineering. This guy will be fine!!
@@taylorbrione doesn't matter how many. If you don't have money, you go to those schools. You don't take out a loan just to go to a more expensive school.
@@TheFishingNomad I'm saying that in every area there is not a university that cost $4,000. Of course community colleges but once you need a bachelor's degree tour affordable options are limited. I'm in Houston and we have great schools, some of which are "affordable" according to the average but not really for a student like him with no support.
@@taylorbrione I'm aware they're not everywhere. But then that person has to make a choice. Do they stay where they are and take out a loan or do they go to a cheaper school in a cheaper area. It's their choice. If they choose the more expensive school that's fine, but then they can't complain about how much it costs or the loans because it was their choice.
I agree totally. I'm bless with a Pell Grant as well. No, student loan, even though temptations are hitting me every semester's, beauty much I said no Thanks. I work in the afternoon, I'm trying to get my B.S degree and getting it done.👍🏽
Going to community college for the first 2 years is a perfect idea because the tuition is going to be so low that you will actually get paid to go to school with pell grants, its like a free source of income!!! definitely go to a community college!!!!
Claro A Agree with you 100%. This is what I did. I will be graduating in May at my CC. With no loans. Fasfa paid for all of it. I will be transferring to University with Fasfa, a university grant, and a scholarship. That will cover all my expense for two years! The cost of ONE semester at that university = a two year degree/ two year gen eds at my CC.
Why would you just give money away? If you give a man a fish he eats for a day... Dave is teaching advanced fishing techniques here, not giving out fish.
*Yes!!! We see too many college grads get burdened with SO MUCH COLLEGE LOAN post graduation. I would say the same - go to CC and transfer to a college of your choice later down the road. Such good advice!!*
I graduated from college this past week debt-free. I am a first generation college student and my single mother didn’t have money to help. I worked 50+ hours a week between internships and starting my own business. This wouldn’t have been possible without Dave Ramsey and the Ramsey Personalities. Graduating debt free is possible. God bless.
I wish I'd known about the benefits of community college (and saving money) when I was 18. I turned out alright, but it would've saved me and my parents a ton of money. Not sure if they still do, but community colleges just had a stigma to them that they were for the intellectually undesirable and the poor. Reality is though, (1) it's super smart financially to take as many of your "useless" 100 and 200-level classes for as cheap as possible, and (2) the ultimate revenge against some 18-YO looking down at you for going to community college is effectively having an extra $20k-$40k in your bank account after graduation. And of course, if invested over even a decade with modest returns, it's basically double that. And over 30 years, 10x's that.
He should look into Community colleges near Penn State. Lots of universities partner with community/junior colleges where you can take the first two years at the college and then transfer to the university for the remaining two-three years
What if you want to go to grad school, like ned school or dental school? You miss out on a lot if you don’t go to a four year for all of college. Internships, connections, and more closeness to grad school.
1 💡 idea, I don’t know how much good one tho, lol, or how much would people love this, but this is what I do: I work as custodian (cleaner) for one private university because they offer tuition remission to all their workers, so instead of paying $160 k for 4 years of school, I will just have to pay for books. Currently applying for grants to not even have to pay that. (I really don’t like school debt)
A friend of mine is Dean of the College of Education at a local university. She advised me to do the same. I wanted an MA, and I want to pay for my teenage daughter's education. She advised me to get a job, any job, at the university as they pay 100% for myself and family.
This ten-minute video could be summed up by saying “go to a community college first to get your gen ed classes out of the way and then finish your degree at a university you can handle.”
The only thing I still am thinking after this is, it sounds like the guy is capable of graduating with the degree he wants because he is smart enough and has at least enough exposure to the field to know he likes it, once he graduates and gets his job, 10k$ in loans will be nothing to pay off with his big boy salary. It would probably take him a few months. I'm all for the things Ramsay suggests that minimize the cost, I did something similar. But with such a high paying field waiting for you at the other end, why stress about a little loan debt that will get you there a few years faster. Opportunity cost.
Yeah, but paying for housing, food and other expenses isn't included and there may be no courses available in English. Many other countries offer almost free college such as the Philippines and all courses are in English.
Dave Ramsey is such a huge role model for me! I've hit a 50,000 dollar net worth at age 20 and I've now starting my own RU-vid platform because of the encouragement I've gotten from people like him! Don't miss my Dave Ramsey Book Give away today!
I'm cash flowing at a community college, getting help from the HOPE grant, and I'm going to apply for every grant I can get. My actual out of pocket isn't too painful, but luckily I'm taking a small program! Don't stay at a dead end job hoping it gets better, take the initiative and make something of yourself, and most importantly, DO NOT BORROW MONEY!
Some community colleges have a reciprocity agreement with four-year state colleges, and they will accept credits from community college easily. The bonus is that you can graduate with an Associates' degree first. Also, get a job at a manufacturing company working on the assembly line or shipping dept. Just get your foot in the door of a factory and learn as much as you can on the job while going to school. That will help you get accepted into a four-year program and get a job eventually. You might even be lucky enough to get a job at a company that offers tuition reimbursement. Like Dave says, forget the loans.
My parents refuse to help pay for my college, and I'm graduating in about 90 days. I've applied for the FAFSA, but I don't know what to do now! I tried to find out how to apply for scholarships but I can't find any with an application date that hasn't already passed. My school isn't at all helping me and my parents never went to college and I've got no one to help me. I'm stressed and I can't figure out what to do.
Great advice, also im from pittsburgh, and there is literally a tech/trade school for aerospace here.....so you can get gen eds or an associates. So many options.
Cleping courses may be the solution for him to earn his degree and working. I was in this situation after my mother passed and I choose to work full time and take online classes.
I took out student loans for my BA which I completely regret.... I didn’t have the financial literacy then, that I have now.... but now I’m looking at going to grad school and paying out of pocket for that 😭
I am a working middle class person. If nothing crazy happens between now and the end of next month, I should have saved up more than I ever have saved before. I've had amounts close to this before, but they automatically had to go to student loans or cars. Both of those are now paid off. So now I get to keep my savings. I'm so happy ya'll! I don't really want to say how much, but no, it's not an insane amount. Plenty of other middle class people probably have this too. But I did it on my own! No spouse or family wealth. I am proud.
1st he's wise for asking for advice. This is wat every student should do b4 college. Find d best economical path forward. Getting a college loan can be so easy, but wen ur done, well...
Would absolutely love to get into contact with Sean if possible, I too am from Pittsburgh and am paying for college on my own while attending Penn State. We’re in a really similar situation in that way, and I would love to speak more with him.
I have so far received 35k cash in grants and scholarships to fund my education, not including fully paid for tuition. I go to a small city college with a Bachelor's program.
He could get a 2 year degree in engineering, get a better paying engineering job, and use that money to cash flow university. His employer might even help pay for it, and if not he'd still have a lot of engineering credits transfer over.
Feel so bad for American students, where I live Uni and College is completely free with the exception of some private schools (only a alternative though).
is it maybe a good option to graduate with lots of loans and debit and just move to some European country for work after school and not pay anything back ever??
That’s very smart advice ... and I’m glad I pretty much went the same route with my college years.. started with community tech school and then transferred to finish the program specific stuff $25k remaining to pay off but almost done 💪🏽
I'd gladly pay higher taxes so he can have free college tuition. As long as he has the grades. Prisoners already do! His only other choice is to Enlist in the military.
Air Force or Naval ROTC will pay for your degree in that and you will be an military officer. The other option is take 4 years in enlisted in one of those two branches pick jobs in aviation so than you get hands on experience in that field. Then go to Penn State with tuition all paid and roughly $1500 a month living allowance thank to G.I.Bill.
Wow, if he was "adopted" not under legal guardianship in Texas, the state offers free tuition for those students. Maybe he has something similar there...omg this is sad.
The one thing that scares me is when it comes to financial aid, it's hard to know how much money you need 4 years into the future. Pell is probably more secure, but I had state aid taken away halfway through my undergrad because I had worked extra to avoid loans. On track now, but that was a scary time.
So the young man has $40k saved. I’m not sure why he’s calling then. He also says he has additional sources of income and is living rent free and will continue to do so. What he needs to do it sit down with a financial advisor and organize his thoughts and make a solid plan on how to graduate either debt free or with minimal debt. He can afford Penn State, he just needs a plan.
My daughter received a full scholarship from Texas A&M including housing and my son will likely receive the same based upon family income and perhaps due to being half Hispanic as well as receiving high grade points in High School.
Our culture teaches young adults that “college is expensive” and that it didn’t used to be. It was never cheap because we didn’t earn as much. So people end up getting loans and getting overwhelmed with debt. So frustrating.
My brother wants to go to college but it has an expensive tuition. I’m already paying loans and my parents can’t pay for my brother’s tuition. Not sure what to do?
You can't go to community college for aerospace engineering. There are classes that are only able to be offered at universities and only offered during day school, so evening classes are also usually not an option for a lot of STEM fields.
Contact the AFROTC unit at Penn State, enquire about a scholarship. Yes, you would have to commit to the Air Force (its not that bad as an Officer), plus, even if you don't stay in till retirement, you will make contacts, do work, and establish a reputation in the field. Plus, being in the military is a good resume builder
Nonprofit colleges are another great option for people wanting to continue there education. Colleges like WGU have there majors all online and are very inexpensive. You can work and go to school at the same-time as well.
