The Not-Rich Kid’s Guide to Graduating from College with Almost No Debt


Provided by Vox


I was raised in a working-class neighborhood near Dallas by my mother, an immigrant from Vietnam. I attended the public schools nearby. We had metal detectors, drug searches using police dogs, a vice principal who was shot by a BB gun at a school assembly, and a teacher who was hospitalized after students put staples in her coffee — and that was just at my middle school.

I avoided the stress of dealing with drugs and gangs by routinely skipping classes. When I was 16, my high school principal told me that my spotty attendance was hurting the school’s funding, so she gave me an ultimatum: I could drop out, or I would be given a large truancy fine. Unable to afford the fine, later that week I became a high school dropout. (More accurately, I was a pushout).

I had to wait a few months until I turned 17 to become eligible to take the GED exam in Texas. Since I had an open schedule, I thought I’d get a full-time job. At an interview with Office Max for a position assembling office chairs, the manager was obviously disappointed that I did not have a high school degree, and I did not get the job. When I realized that I didn’t meet their hiring standards to work in the back of the building screwing armrests into chairs, I decided I had to go to college.

But then came the question of how to pay for college. College costs are sky-high. About 70 percent of students who graduated with a bachelor’s degree in 2012 borrowed money—of these students, the average debt was $29,400. After watching my mother struggle with debt, I was determined to avoid loans as much as possible by making every dollar that went toward college expenses count. And I succeeded: I managed to graduate from the University of North Texas with a degree in sociology in five years with a single loan for $4,000. I now attend a PhD program at the University of Pennsylvania.

Graduating from college with minimal debt isn’t easy. There’s a reason there’s a student debt crisis. But some media accounts would have you believe that students have no choice but to take on large debts — and be haunted by them for decades after they graduate. And in my experience, that’s just not true. I know the challenges for every student are different, but these are the eight ways I made college as affordable as possible.

1) I took as many community college courses as I could

I passed the GED and began considering what college to attend. After my rocky high school career, my family and I weren’t sure how I would fare in college, so we didn’t want to spend a lot of money.I also hadn’t taken the SAT, so I wasn’t even sure if I could apply to universities. So I enrolled at a nearby community college with open admissions and low tuition with the intent of earning my associate’s degree.

While community colleges are less prestigious than four-year schools, they are also a lot cheaper. According to the US Department of Education, the average tuition and required fees at a four-year institution amount to $8,070 for an academic year. At a two-year institution, it is “only” $2,792. By these numbers, if you attend community college for two years instead of a university, you would save an average of about $10,500 in tuition, plus the cost of living at a dormitory that is often mandatory.

And at least in my case, the education I got at community college was in some ways superior to what is experienced at four-year colleges. I took all of my “basic” or “core” classes (math, English, sciences, history, etc.) at community college, where classes usually have between 20 and 40 students. The same class at a university would have had more than 100 students. As a result, community college professors are more likely to learn students’ names, to grade papers and exams themselves, and to develop relationships with students. As a student who struggled initially, I needed that close attention or else I might have slipped through the cracks.

2) When it came time to transfer, I resisted the allure of the “prestigious” college

After two years of community college, I had won a scholarship and I had a solid GPA — around a 3.5. I could’ve applied to my state’s flagship universities (the University of Texas Austin or Texas A&M University) or a private college like Southern Methodist University. After the embarrassment of dropping out of high school, part of me wanted to show people that I was more than a dropout — to be able to brag that I attended a prestigious university like these.

But I only applied to one college — the University of North Texas, which is not even ranked by the US News and World Report. It was a nearby state university with low tuition costs, and it meant I didn’t have to deal with relocating. My family was fine with the decision. Honestly, attending any university impressed my mom.

Would I have received a substantially better education at a more prestigious university? I doubt it. The truth is that university professors are hired because of their research, not their teaching. Attending a more prestigious university would have meant being taught by professors who had better publication records, but that does not necessarily translate into being better teachers. In fact, in some ways you expect the opposite — the more invested professors are in research, the less time they have for mentoring and teaching.

The best argument for attending a prestigious university is name recognition and alumni connections. If you plan to apply to work at a Fortune 500 company, those things matter a lot. But for students like me who just want to enter a middle-class profession, those benefits aren’t very important. While there are other merits to attending prestigious colleges — like having more dedicated students around you, better libraries, etc. — for me, they weren’t tangible enough to justify paying for higher tuition costs.

3) I learned the hard way to take placement exams seriously

After I met with admissions to finalize my application to the community college, I was told that I should take my placement exams because students are unable to register for classes until they take them. I was surprised — I had never heard of placement exams. Still, I felt pressured to take the exams that day.

When I took the math exam, my score was so low that it required me to take two remedial classes. When the administrator was explaining this to me, she asked me if I had used a graphing calculator — I hadn’t, because I assumed it wasn’t allowed! She suggested retaking the exam to see if it would improve my score. The calculator, and the retesting fee, was not cheap. But my score improved, and I “only” had to take one remedial course instead of two.

According to the most recent figures from the Department of Education’s National Center for Educational Statistics report, 20 percent of incoming students take remedial courses. In some states the average is much higher, such as 51 percent of students in New Mexico. These classes cost money but do not count as college credits and are only required if it is determined that the student is “not college ready.”

You can avoid paying for classes that you don’t need by taking the placement exams seriously and researching the format and what tools you are allowed to use.

4) I used to avoid terrible professors

My first year in college, I had a terrible history professor. I didn’t know what was going to be on the exam or how to prepare for it. This class was beyond difficult — it was poorly taught, it was confusing, and it was frustrating. I vividly remember the professor blaming the students after the class averaged a D on the first two exams.

After that, I was determined to avoid terrible teachers, so I began looking up prospective professors on This website allows students to rate a professor by a few different metrics (such as clarity and easiness). The ratings are subjective, and because of that, you should these ratings with a grain of salt, as every professor with a dozen reviews will have some negative ones.

But students can pretty universally agree on what a terrible professor is. So before I registered for a class, I always looked up the instructor on If they had overwhelmingly negative reviews, I did not enroll in the course. Each year, this helped me identify a few professors to avoid, which likely saved me from having to withdraw from a poorly taught course or earning a low grade.

5) I found a mentor who cared about my success

The hardest semester of my life was my first semester at a community college. I felt like I didn’t fit in on campus. The students, administrators, and professors intimidated me. So I tried to be invisible — if I could avoid being on campus, I did.

My English professor, Dr. Lisa Roy-Davis, required students to meet with her individually halfway through the semester (an approach that would not be possible at a university with large introductory courses). I was quiet during the meeting, which made it somewhat awkward, but we got to know each other better. At the end of the semester, I told her I was considering withdrawing from college to focus on working.

To my surprise, she encouraged me to keep taking classes and offered to loan me books by authors who wrote about their struggles in college. I began emailing her summaries of what I felt about the books — and questions about what I should read next.

The more I talked to her, the more comfortable I felt on campus. While the feeling of being an outsider never totally vanished, I no longer wanted to be invisible. I became a more engaged student. My grades improved. I began going to office hours of other professors to ask questions, which is how I found other mentors.

A mentor will answer the questions that you are afraid to ask others, instill confidence in you, and help you navigate college. They don’t have a precise monetary value, but they will help you graduate from college.

6) I learned the tricks to applying for financial aid and scholarships

Financial aid was somehow terrifying and liberating for my family at the same time. Because my mother was low-income, I qualified for federal Pell Grants that helped pay for my tuition and books. But applying for those grants was intimidating. The Free Application for Federal Student Aid (FAFSA) is universal — wealthy students applying to private schools use the same application as working-class students applying to community colleges.

That means students like me have to answer questions using financial terms that my family had never heard of. For example, FAFSA asks whether your parents made “Payments to tax-deferred pension and retirement savings plans (paid directly or withheld from earnings), including, but not limited to, amounts reported on the W-2 forms in Boxes 12a through 12d, codes D, E, F, G, H and S.”

Some families might have parents who are familiar enough with finances to know what this question meant — to my mom and me it was like reading a foreign language. We worried that we were going to unintentionally lie on our application, which we feared was a prosecutable offense. Looking back, I know that sounds silly, but it shows how daunting this process was.

I eventually realized that the answer to questions about investments and pensions was “0,” and that FAFSA’s helpline is surprisingly easy to use. I also figured out that I should complete my application before the “priority deadline” to maximize my chance of being awarded a grant.

In addition to financial aid, I learned how to apply for scholarships. In my sophomore year, I was shocked when Dr. Roy-Davis told me I should apply for the Student Leadership Academy, the most prestigious program at my community college. The application required two letters of recommendation, a transcript, and a personal essay. I didn’t think I fit the “leadership” profile — I didn’t have any volunteer experience, my GPA was about a 3.3, and I barely spoke in class. Why apply for something I won’t win?

Despite my protests, Dr. Roy-Davis insisted that I apply. She coached me through how to ask for a letter of recommendation, what the application process is like, and how to write a personal essay.

The biggest thing I learned was that you don’t have to be better than every student — you just have to be better than the other students that apply. And a lot of awards and scholarships don’t have nearly as many applications as you would think. I was accepted into the program and won a $500 scholarship.

The scariest thing about applying for awards or scholarships is feeling like a fraud. This is impostor syndrome, and minorities are more likely to feel it. Essentially, you will underestimate your qualifications and attribute any previous success to luck, causing you to feel inferior to your peers. The only way to deal with it is to push through it — hopefully with the help of mentors.

7) I bought old textbooks (if my teacher allowed it) to save money

Students spend about $1,200 in college textbooks a year, according to the College Board. In fact, nearly two-thirds of students have skipped buying a required textbook for a course because it was too expensive. My first semester, I was shocked by the cost of textbooks. So I started asking students and professors what I could do to save money. Among the suggestions: buying used textbooks online, renting textbooks online, or buying digital versions of the textbook that were cheaper.

But I learned from a professor that the cheapest option is to buy older editions of textbooks, which are often 60 to 90 percent cheaper. The downside is that textbook publishers routinely shuffle chapters around when they release a new edition every few years because it allows them to call it “new” even if it contains very little new content.

In most cases, you can just use the appendix to find the right chapter if the title of the assigned chapter does not match the syllabus. Still, you should email the professor before the class starts and ask if they believe you can use an older version of the textbook. Most professors will understand why you are asking and reply with whether it is a good idea.

Even if you just did this for half of your classes, you would save about $600 a year.

8) I worked throughout college

During college, I attended college as a full-time student and worked part time. I was tempted to do the opposite — work full time and only take a couple of classes a semester — but I decided that it made more sense to try to graduate as soon as possible. Plus, I was lucky to be able to live at home, which allowed me to avoid taking on a lot of living expenses.

My first job was a custodian at a gas station. I worked the swing shift, which meant that in a given week, I’d have two shifts during the day and two shifts that were from 10 pm to 6 am. While staying up all night mopping, sweeping, and restocking merchandise was challenging, I was glad that they overlooked my GED and gave me a chance to gain some work experience. I later worked in retail and at restaurants.

At times, working while taking classes was difficult. But as long as I had a job with a consistent schedule, I found that I could manage it. And my rule was that I wouldn’t try to work full time while being a full-time student, because it would hurt my grades.

I knew that transferring to a university, even one with low tuition, was still going to cost thousands more. I decided to take a semester off to work full time to save up money. My mom was nervous about me taking any time off, but I felt like one semester wasn’t the end of the world. And it allowed me work a bit less once I transferred.

I managed to graduate at the age of 22 (funnily enough, dropping out of high school caused me to start college a year early). While I was proud that I managed to graduate from college without taking out many loans, I didn’t want to walk across the stage on graduation day. The regalia, the speeches, and the handshake all felt like worthless fluff that would take hours to take part in.

But when I told my brother that I didn’t want to go, he told me that I had to. I was going to be the first in my household to graduate from college — and it meant a lot to them. He was right. My mom cried tears of happiness, and it is one of my favorite memories.

A critic might point out that I saved money to the detriment of my education: I took more community college classes than university courses, I based where to attend not on prestige but on low tuition, and I used old textbooks. But today, I am a doctoral student at the Annenberg School for Communication at the University of Pennsylvania, which is ranked near the top of its field. In addition to a full scholarship, I also receive a living stipend and have won fellowships from the National Science Foundation and Google. Last summer, I interned with the Pew Research Center.

And no one has ever cared where I got my bachelor’s degree or questioned the quality of my undergraduate education.

Written by Alex T. Williams of

(Source: Vox)

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