How To Avoid Student Loans

posted by on 2016.01.10, under Giveaways

The average college graduate is currently saddled with at least $30,000 in student loan debts and this is often accepted as unavoidable reality for many students. However, this does not mean that you need to resign yourself to this fate in your own life. The best way to avoid crushing student loans is to live frugally and save whenever you can, for instance by using coupons from Discountrue. Thanks to those you will be able to pay less at such popular stores as Kohl’s and Neiman Marcus, but not only.

Make sure to check the offer and you will be certain to find something suitable for you. Other than that, what else can a person do to avoid student loans? Read on to learn more!

1. Pick A School You Can Afford

A college degree is no longer a guarantee of immediate prosperity. So, while a college with a high tuition may seem like a great idea, picking a less expensive one will leave you with far less student loan debt over the long haul and if you really want to learn something you should be to do that no matter where you are. Before applying to a college, be sure to research how much it will cost to obtain a degree. It’s good if parents can remain involved during this part of the process to provide their child with assistance in selecting a school that works for their budget and spiritual support.

2. Develop a Four Year Plan

College expenses should be viewed as a four year plan, as opposed to assessing them annually. The plan that is developed will depend on how much you have saved. While it may make sense to split your accrued monies over all four years, this can lead to a major cost gap during the latter years of college. These gaps often cause families to turn to much pricier private loan options, which lead to much higher student loans.

3. Start With Community College

If you are willing to study at community college for your first two years of school, this can cut down on student loan costs dramatically. Research the community colleges you are considering and make sure that your credits will be able to be transfered once you have obtained an associate’s degree. However, less financial aid is available to transfer students in many instances, so this is a strategy that requires a great deal of planning.

4. Ask About Financial Aid

Students who need help paying for college should do everything in their power to find as much financial aid as possible. We’re talking about money that will not have to be paid back and these grants are a lifesaver when it comes to diminishing student loan debt. Financial aid offers are typically negotiable and additional help can also be available after enrollment has been set. Outside scholarships can provide assistance, but make sure that they won’t cut into your aid offers.

5. Accelerated Degrees

If you’re willing to put in the extra work, you can actually finish your degree ahead of schedule. While a student must take at least 12 credit hours a semester to be considered full time, the majority of colleges allow their students to take up to 18 credit hours while paying the same amount of tuition.


posted by on 2011.03.01, under Art, Giveaways

We are big fans of 20×200 here at The Frugal Materialist. If you caught our post on great online art sources for cheap, you know their ‘art for everyone’ philosophy goes hand in hand with our ‘interior design for all’ schtick.

The official 20x200 Armory Art Fair Survival Kit. All this could be yours.

To celebrate their participation at the Pulse Art Fair during Armory Arts Week March 3-6 in NY, 20×200 is generously offering our lovely readers a chance to win this free goodie tote bag and a free one-day ticket to Pulse! Just tell us your favorite work of art on 20× in the comment section at the end of this post or on our facebook page and we’ll choose 3 winning responses!

To get a firsthand look at the gorgeous art offered by 20×200 and Jen Bekman Gallery at Pulse NYC, visit the b-4 booth:

· Location:
Metropolitan Pavilion
125 West 18th Street (btw. 6th and 7th avenue)
Booth #b-4
· Dates and times:
Thursday, March 3: 1 p.m.–8 p.m.
Friday, March 4 + Saturday, March 5: noon–8 p.m.
Sunday, March 6: noon–5 p.m.
· 20×200 Contact: 212-367-9745

So, what’s in the bag? Tons of free goodies to help you navigate the art overload that’s going to take over NYC during Armory Week, including maps, an illustrated guide to all of Armory’s satellite art fairs, Time Out magazine, tote bag, West Elm tape measure, breath fresheners for schmoozing, chips n’ coffee to hold you down during the events, and more.

We paired some of our latest 20×200 favorites with affordable furniture below…

This perfectly exposed and composed print by Bert Teunissen is reminiscent of Lee Friedlander’s “America by Car” series, except better.

BG-0004 by Bert Teunissen

Hang it above this industrial carbon desk and it’s a match made in heaven if you ask me.

CB2 go-cart carbon desk, $149.00

If you’re a fan of color and cake, this print has your name written all over it.

Confections (adorned) #14 by Amy Stevens

Paired with this glossy candy-colored office chair, the two bring out the best in each other.

Task Office Chair in Pink , $59.87

You, yes you, can own a real William Wegman for $100.

Game Board by William Wegman

Combined with this classy button tufted settee from West Elm, your new Wegman will look like you spent way more money on it.

Elton Settee, $699

Contest will end and comments will close at 11 p.m. ET, March 2, 2011. One entry per email address please.


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