Within this economy, the smartest students aren't those opting out of school because they fear the looming debt. They’re the students that are prepared with a well thought out college value plan.
What classes can you take online or at a local university to save costs? While it was once traditional to attend one educational institution for four consecutive years, times have changed.
Consider how you can acquire the most basic credits for the least cost, while later transferring to a university of choice for your more specialized courses. For instance, is it really necessary to pay the highest tuition rates for “101” and introductory courses? It’s unlikely.
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It’s no longer acceptable to choose a school and accept the sky-high tuition rates.
Before you choose a school, consider some factors to determine whether or not the school will be forced to increase tuition rates or other costs if enrollment declines.
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Such factors which, by the way, don’t add value to an educational experience, include:
- How much debt is the college in?
- Do many of the school’s administrators or faculty have a salary upwards of $200k?
- How much are they spending on construction and new buildings?
The above factors create a risky environment that are red flags for schools that will inevitably need to file for bankruptcy or re-finance.
Skipping an education is never the answer. A college education is still invaluable–the only true change is if where you obtain your education really matters anymore. If it does, it’s mostly for the specialty courses. It’s doubtful you won’t get hired because you took “Introduction to Biology” at a community college rather than another institution, especially if you’re planning on becoming a journalism major.
Times are tough and, if colleges don’t begin to recognize that and start reflecting it but cutting back their tuition costs and building projects, they’re in for a very rude awakening.
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When considering college options, do you consider factors like a college’s current debt?