May 2009 / SLFC

Fewer Student Loans: community colleges

student loans for collegeIts time to abandon the stigma that has long been attached to community college, the truth is community colleges are a great way to avoid going into heaps of student loan debt. Those looking to further their education with furthering the debt caused by student loans should really consider community colleges as an option.

Community colleges generally only offer two year associate degrees, but many of these community colleges have guaranteed transfer programs to the local state university. Since tuition costs at community colleges are far less then state universities, students who choose to attend their first two years at a community college can end up saving tons of money on college tuition costs. Generally the guaranteed transfer programs will allow students at the community college (who maintain a certain grade point average) guaranteed acceptance into the state university after they complete their two year associate degree, thus you only have to pay state university tuition cost for 2-3 years vs. 4-5 years.

Many have the notion that community college does not offer “as quality” of an education as a 4 year school does, which is simply untrue. Check the transferability of your community college courses to a state university, you’ll find that nearly every general college course at the community college will transfer to a university without a problem. It all boils down to the fact that community college equals a reduction in the amount of student loans you or your folks will have to acquire. So get over the social stigma and factor in community college as a serious option for a college education with out serious student loan debt!


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