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A debt life sentence--that is what college means inside the eyes of several college undergraduates. Interesting enough a college student will in reality spend most of their lives on this prison of debt, where they'll endlessly continue aiming to repay all money borrowed for his or her college education. This can last as much as 35 years or more. Truthfully, this can be unjustifiable; how do students only work to cover off loans on an education that should be free or a minimum of less expensive? Undergraduate students are burdened and troubled with all the expenses presented while attending college. The high tuition cost, housing, and also the tariff of books are typical expenditures but yet, huge essentials that dig a level deeper hole into the pockets of faculty students. Nonetheless, these expenses could be decreased if the college student approaches wiser decisions both financially and personal. There are solutions; the main of the problem purely lies around the not enough awareness.

When it comes down to looking for a college, just about everything we think we know and a good lot of what we should do --is just wrong. So wrong that many students turn out paying far over what you have to, and graduate nearly smothered in a very swamp of debt. I was intrigued to discover just the amount this burden is affecting my fellow West Virginia University undergrads.

This interest of mines leads me to conduct a survey on 100 undergraduates. The survey contained questions linked to college expenses, present financial status, and career/major. What are the true factors causing financial distress to undergrads? The thought of attending college education is becoming far out of reach for most students as well as their families. Likewise, the cost of gonna college severely impacts the students' earning potential once out for the real world. Consequently, most students along with their families seek the contrary of outside assistance. They must count on additional resources to supplement our prime cost of college education.

Not all government grants cover each of the demand for that price of college alone, which leads the crooks to create one tremendous debt burden using a goal to acquire an incredibly much cherished degree. Charles Pope, editor to the Department of Education says, "Today's generation will start their lives soon after graduating using a $100,000 indebted prior to them getting married and/or own a house." The main root to the alarming issue is the tiny knowledge on grants, loans, etc. along with the insufficient financial planning college students' bear.

The facts are there, in reality you will find numerous books and updated software available for the subject. However, some time might not be there. There lies the answer- implementation, but a majority of people simply choose to not spend their time sorting through books of endless repeated material.

It is important to note that the price of college has risen almost immediately, at twice the pace of inflation to the past 20 years. Since then, many undergraduates have become victims to this drastic growth on tuition cost. Universities individually provide current students with straight answers about the subject of financial aid. These advisors might help guide students and put them around the right path in order to avoid all unfavorable positions revolving debt.

West Virginia University offers financial counseling to its students Monday through Friday from 8:15 a.m. - 4:45 p.m.; today are open for college students and they also will always be more than welcome to simply visit over a walk-in basis. Also, the University has one specifically assigned site for those and then any school funding related concerns, the website it is the following: financialaid. This site has links a number of useful websites that may be quite beneficial to students. One with the links I would recommend to West Virginia University undergraduates could be the "Financial Planning", which can be found about the Home page of the actual site. The following ten questions might be an excellent start to a successful discussion with your financial ad advisor.

1. What types of economic aid can you offer?
2. What are the requirements for need-based aid as well as for merit-based aid?
3. Basically have a work-study job, how many hours will I be required to operate per week?
4. Do you give you a tuition payment plan that lets me give the college bills in timely repayments in the academic year?
5. Basically don't submit an application for school funding this year, will that affect my eligibility for financial aid in subsequent years?
6. if I win a scholarship, can you reduce my financial aid package?
7. Which applications are needed to apply for financial aid?
8. What would be the deadlines for applying for financial aid?
9. Where can I find details about other sources of financial aid, for example state grant programs and scholarships?
10. When will I receive my educational funding award letter?

Conversely, the government assumes that many students should bear in mind of these rules of thumbs so as to gain good thing about financial assistance. If a family's income is above $75,000, they are unlikely to qualify for school funding for the most part public universities. Secondly, in case a family's income is above $120,000, they are unlikely to be qualified to receive a school funding for the most part private colleges. However, this little bit of information is not well-known or perhaps in most cases improperly given to college students.

Although, the government does lend a hand while using expense of college education, most students as well as their families still will struggle to fulfill and pay every certainly one of the balance left that is certainly owed to the college. Lisa Chedekel, writer of, "States aim to Help", lays out a number of strategies that can enhance financial cash flow to supply funds for college expenses. Unfortunately, students cannot physically alter the high prices of tuition; this can be all beneath the dictation individuals government. However, students are skilled enough to perhaps allow themselves to alter their financial management ways currently practiced. Chedekel affirms that the price of college range from a selection of items including some you may not expect. By understanding college costs, it is possible to compare schools and explore selections for the simplest way to reduce your costs. Evidently, there will be other schools cheaper than West Virginia University; but ask yourselves this question- Will you ever look for a place like Morgantown? For any true Mountaineer the result is simply, no. And so exploring other choices to lower expenditures turns into a must.

The key to solving any problem rests on signaling out your causes. For this specific issue: tuition, housing and cost of books are typical expenditures that trigger and boost the total cost of college. Tuition covers the cost of taking courses and the ones course costs vary by school. As WVU students the university is our home; maybe the smartest approach could be to consider a mix of three credit courses and much less per semester. Although, this can push-back your graduation date; inside short-term, you get lucky and be saving some amount of cash for expenses which could present for you on that current year. This approach will decrease your general tuition cost applied to you personally with the semester attended. If this doesn't seem adequately fitting in your case individually; than possibly accepting bigger loans can represent great help. Loans normally are accompanied with large interest rates; nevertheless, students can essentially take action to diminish these rates or adjust their repayment plans.

When repayment begins on federal student loans, there are the truth is several options it is achievable to pick from depending on your own personal financial situation. The standard repayment plan allows you to pay back your loans in a very 10 year period. This could be the quickest option that costs you the smallest amount of amount of interest over the life of the loan. On the contrary, the extended plan allows you to pay off the loan in equal payment more than a period of your time up to 30 years. This will definitely cost you more in interest, but could make your instalments more affordable. Again, these plans are routes to look at given only your precise circumstance economically.

Another option to take into account could be the graduated plan. Charles says, "This repayment option again allows the borrower to create payments more than a period around 30 years; however, the instalments start out low and gradually increase on the life with the loan." This last option is merely based about the assumption that the borrower's income will gradually increase during the life span from the loan.

Furthermore, West Virginia University strives to provide its students a great learning experience. The school makes an effort to provide all mountaineers with any additional school funding they might need. Scholarships are an incredible way to treat yourself by getting the most for your money. WVU has four scholarships accessible to its students: The Freshman Scholarship at West Virginia University, PROMISE Scholarship, Transfer Scholarship and Diversity Scholarship.

The application process for that Freshman Scholarship is in fact quite easy. Students complete the admission application in addition to ACT/SAT scores sent to the school. These two steps get the process started fairly quickly. The deadline for the majority of scholarships is February 1, of the senior year in high school. Then there's the Promise of Greatness at WVU; only sponsored by the state of West Virginia. It pays an amount of $4,705 to most colleges within the state. By March 1, the Promise application should be submitted. Also, students must file a FAFSA form before this date. The Promise Scholarship is a reward for your outstanding work and achievement. Interesting enough, as much as 40 percent coming from all Promise scholarship recipients elect to attend WVU. On another hand, the Transfer Scholarship is awarded to people students who've submitted their transfer application by July 1, 2013. All transfer students who maintain or currently have a 3.00 GPA having a minimum of 15 credit hours to WVU meet the criteria for this scholarship. The sum of money awarded will range between $500-$2000 per year. If students meets these prerequisites then a letter will probably be sent in mid-June ahead of attending the school. West Virginia University also offers one last scholarship accessible to minorities. The school offers incoming freshmen the possibility to apply for that Diversity Scholarship. This program was built to attract talented minority students who're or are actually misrepresented on college campuses.

What stops you applying now? Re-think and consider these reasons: College costs a whole lot more laptop or computer used to, their state support for students have decreased substantially, and in fact most parents haven't any money to hide the cost. Scholarships are essential to ensure that you just won't struggle to make huge education loan payments upon graduation. They are no more merely a bonus.

Secondly, the price of housing is another expense that influences college debt. Based around the survey roughly 50% of undergraduates live off-campus this also surprisingly enough appears to get the top option weighted against on-campus housing. The price of dorms at West Virginia University ranges from $729-$1,555 in the Honor Halls. For any student attending a university near home, then this smartest decision becomes evident- live at home. Others that are accessible to live off-campus do so. Definitely consider sharing a residence or apartment with multiple roommates, this can without a doubt cut down the cost of rent and, even carpooling will save you cash on gas. Joe Cline, writer to the College 101 website, says, "College students lack enthusiasm, they are plain lazy". Although many can find this somewhat offensive, Cline implies that a lot of students possibly usually do not conduct an in depth adequate research if this comes into comparing what is better for them. This turns out to in fact be true.

Personally, I live about 15 minutes from the school and I pay under most undergrads surveyed. I made a choice to look into housing "far" from campus for 2 reasons; one being that I wished to separate myself from downtown Morgantown (High Street) primarily -- WVU could be the primary party school. Second reason was the fact that the price of housing does decrease in accordance with distance. Moreover, West Virginia University sponsors upperclassmen to live on-campus as resident advisor to upcoming freshman. This option reduces the whole cost of room and board. Keep at heart also, the thought to work part-time, but make sure setting your priorities first.

Likewise, the expense of books is also hurting the wallet of many college students. The survey conducted astonishingly showed that most 100 undergraduates believe the fee charged for books is unacceptable. C. Susan; writer to the Department of Education, understands the discontentment of students regarding the price of books. She states, "The national average price of books and supplies hovers around $1,100 per year." This figure can clearly alarm anyone, especially college students. What is the solution? Well, you have to become more frugal when the season to get books comes around. There are actually several options to choose from that will able students to avoid wasting a bit of cash of their pockets. One option can be to purchase used books; both online and from the school itself.

Textbooks represent one in the largest expenses in any school's budget. The only real distinction between new and pre-owned textbooks is the huge savings off publisher net prices. Students will get high-quality textbooks and achieve the same performance. On some occasions visiting bookstores close to the school will provide you with the best deal. For example: It Exchange, Barnes and Nobles, Bookholders. All these stores are in reality in walking distance through the school. The amount of money saved with all the purchase of an used book approximately is 30% from the actual cost. Second; this really is a choice quite hidden to many students-- the ability to simply handle monthly renewals from your library. Yes, you might be allowed to rent books with a reduced price. Thirdly, ask friends forms of languages students whom have previously taken your course making white-and-black copies on only chapters discussed in class.

There is absolutely pointless to breakdown beneath the overwhelming stress of college. You have options and your West Virginia University degree awaits you. More than ever, attending school provides opportunities for graduates. Yes, it is outrageously expensive--but then again nothing is ever handed for your requirements at zero charge. Today's economy is getting increasingly competitive, and as a way to give yourself the most effective chance for the well-paying job, you need to first view the importance of a college degree irrespective of its cost tag.