Avoiding Financial Debt

My name is Trekia Joy and I’m a graduate from the University of Arkansas at Pine Bluff with a BA degree in Mass Communications/Print Journalism. I have a passion for writing and with be working on my first novel in the near future. I love to blog and have my own web page and soon will have my very own blog website.

As a college graduate there were some many trials and tribulations that I had to go through to get to the finished line. I never thought that college would be easy but at the same time I never thought that I would endure as much as I did. College is a great learning experience and teaches you a lot about life as well as how to make it on your own. One thing I can say is pay attention to your financial aid and if you plan on taking out loans, make sure you that you are well aware of loans that you can pay back after college and ones that you will have to pay back immediately. As an undergrad student I didn’t pay much attention to my financial aid. I knew that I had financial aid and that it paid for my classes. What I didn’t know at the time was that when you constantly have to repeat classes over and over again that you are using up your financial quickly. The worse thing to happen to you with your finances is for you to exceed your full max of your student aid and have to pay out of pocket the rest of the way. It becomes tough when you’re an independent student like I was supporting your own self and have no income and no job to pay your financial balance.
This may be a lot to take in all at once but this is the most important thing and many college students end up going through this. Staying on top of your financial aid is your responsibility not no one else’s; just as important as keeping your grades up. If you are uncertain on a career path of what it is that you want to study I would advise you to have some type of clarity before you begin to choose your courses. The worse thing is to be taking unnecessary classes that you know you do not need and end up waiting your financial aid. College classes are not cheap they cost a pretty penny. One class is about $3,000 and online classes cost even more. With online classes, if it isn’t mandatory for you to take web classes then don’t. They cost at least $2,000 more than regular classes. But I can say this, some majors require you to have to take some web classes depending on how your degree plan is set up. Once you enter college, pay close attention to all the information they provide you with when you attend orientation. You may think that you don’t need the pay attention to the information they are providing you with, but I guarantee that throughout your college experience you will find that information quite useful.

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