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Adrienne Marielle Argueza
Make a budget and stick to it! I know that's not the most exciting thing to do on a weekend, but it works. It takes a lot of discipline to stick to a budget and especially if an emergency occurs.
I recommend making an XCEL sheet budget and saving your receipts so you know what you're spending money on. Once it's typed up in your budget you can see what you're truly spending your money on. It's scary to look at sometimes, but you can see what you can cut corners on to put towards schools. For example, lets say you get coffee 5 days a week at a café that averages about $20.00/week. If you start making coffee at home you save $20.00/week so in a 10 week quarter, that's $200.00. Imagine where else that can happen?
But of course, that doesn't make up the difference. If you have already declared your major, also try going to that department specifically and ask if they fund your kind research (if you are doing research or are interested). If your department sends out a newsletter don't delete it from your email, but look at it to see if they've announced any scholarships and apply to as many as you can.
If you're taking more than 19 credits, you can also seek help from your financial aid office (I recommend seeing your specific advisor if you have one) and seeing if they can increase your grants/scholarships based on your "need."
But if you do end up taking a loan, make sure, it's not an unsubsidized loan. If you can exhaust all your subsidized loans. AS A LAST RESORT of course, because unsubsidized loan interest rates NOT fixed.
Try the two resources below to determine if you've considered all options in funding your college education.
1. Paying for college
2. Funding Your Education
Some organizations/companies will pay for your school; from my experience, this tends to be larger organizations/companies. Figure out which field you want to work in and try to find an employer that offers some form of tuition reimbursement (i.e. banks, hospitals, public institutions, etc.).
Student loan alternatives
2. Pay as You Go
3. Tuition Reimbursement From Your Employer
4. Attend College Part Time
5. Take a Heavier Class Load
Other means of making money
- Freelance writing
-Become An Online Personal Trainer
-Run Your own retail store online
-Become a product tester
-Telecommute from your own home office
-Tutor from home
-Become an online juror
-Sell items on Craigslist
-Pet sitter or dog walker
-Open an Etsy shop
-Start a blog
-Participate in focus groups
There is a recent article on the Harvard Business Review which talks about "The Peer Economy". The article names companies that you can offer your services to in order to make money (Uber, Lyft, Airbnb, Skillshare and TaskRabbit, etc.)
Read the story here:
Lastly, there is a new organization called Pave(pave.com) that can allow people to invest in you.
Read the story here:
I hope this helps and good luck!