ࡱ> ?A>g bjbj 0 xqbxqbZ Z 8"4V#j^,# # # # # # #$3%'.#.#4C#R##:`!,!:wsgF! "Y#0#!R(`.(!(! .#.#.#(Z B : Student borrowing keep it manageable By EducationQuest Foundation If you have to take out student loans to help pay for college, here are ways to minimize loan debt. Follow these tips in high school: Take advanced placement or dual credit courses to earn college credit while in high school. Apply for LOTS of scholarships! Take a financial literacy or money management course. Get a part-time job, and save as much as you can for college. Create a budget for college by analyzing your future expenses and sources of income. Borrow only what you need in student loans, even if its less than the amount offered in your award letter. . Follow these tips in college: Complete the FAFSA at  HYPERLINK "http://www.fafsa.gov" fafsa.gov each year you attend college. Continue to borrow only what you need, even if its less than the amount offered in your award letter. Continue to look for scholarships. Use credit cards for emergencies only, and pay off the balance each month. Get a part-time job to cover personal expenses. Buy used textbooks. Reduce food costs by using your dorm meal plan or by eating at home. Limit fast food, designer coffee, and bottled water. What seem like small daily expenses can add up to hundreds of dollars each year.  Related blog articles youre welcome to use. Please cite EducationQuest as the source.  HYPERLINK "https://www.educationquest.org/blog/what-is-this-student-loan-on-my-award-letter/" What is this student loan on my award letter?  HYPERLINK "https://www.educationquest.org/blog/5-things-students-need-know-credit/" 5 things students need to know about credit  HYPERLINK "https://www.educationquest.org/blog/college-skills-how-to-create-your-first-budget/" College skills: How to create your first budget  HYPERLINK "https://www.educationquest.org/blog/what-you-need-to-know-about-ap-and-dual-enrollment-classes/" What you need to know about AP and dual enrollment classes     Updated 7/21  &'DE[\d+ 5 ɸr`rrrRhD]CJOJQJ^JaJ#hhBzM5CJOJQJ^JaJhBzMCJOJQJ^JaJhfpCJOJQJ^JaJh&CJOJQJ^JaJh|CJOJQJ^JaJhWmCJOJQJ^JaJ hChBzMCJOJQJ^JaJ#hkbhBzM6CJOJQJ^JaJhBzM5OJQJ^Jhw5OJQJ^Jh*hBzM5OJQJ^J'DE+ K  q  $ i & Fxgd&$h^hgdBzM & FxgdB' & FxgdD] & Fxgd&$$a$gdBzMgdBzM5 = K   " ' / @ ӷӦ䕇veS#hhBzM5CJOJQJ^JaJ hChBzMCJOJQJ^JaJ hB'hB'CJOJQJ^JaJhB'CJOJQJ^JaJ hChB'CJOJQJ^JaJ hkhPhBzMCJOJQJ^JaJh%*CJOJQJ^JaJhBzMCJOJQJ^JaJ h!whBzMCJOJQJ^JaJhD]CJOJQJ^JaJh(.lCJOJQJ^JaJ  " '  $ ? 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