How hard is it to go to college?

stressed student

After graduating from high school, most students are thinking of going to college and pursue a bachelor’s degree. On the other hand, there are also some who are wondering if it would be best for them to work and save some money first before they continue getting a higher education. These are the people who do not have enough resources to finance their education.

People have different opinions when it comes to going to college. Some look at earning a degree as a necessity especially now that the job market is tougher than ever, while others have a mindset that they don’t need it.

But, really, how hard it is to go to college?

The challenges of getting a higher education

graduate capBack in high school, you might have thought that going to college is a piece of cake, simply because you will be more independent. But in reality, this stage in your life comes with more responsibilities. You will become your own person, which means that you will have to decide for yourself.

Let us have a look at the challenges that you may encounter when going to college.

Student loan

If you try to ask students what the biggest challenges in their college life are, I bet, you would hear most of them say, “Student Loans!”

Yes, for so many years, student loans have become a big issue for most people in the United States. And even up to these days, a lot of them are struggling to pay their student debts whether it be from the government or private lending institutions.

For those who have taken out several loans, they seek the help of companies that consolidate student loans. With this, the institution will pay off all the other student debts, which will allow the borrower to have only one big loan. So, if you are planning to go back to college but you have problems with your previous student loans, then loan consolidation will make it easier for you.

student carrying books

The real college life

Aside from financial problems, you will also have to deal with the REAL college life. This time, everything is way different. It is no longer a high school setting wherein almost everything is done by spoon-feeding.

In college, you will learn how to do things on your own, which can be very challenging especially if you are a freshman. The key to surviving college life is to have the determination to succeed. Once you have this, everything else will follow. Otherwise, you will find yourself out of college, struggling your way through life.

Sources Of College Tuition Money


Apart from buying an expensive car or a new house, a college education will probably be the most expensive and biggest investments you will ever make. This will prepare you to have a better career in the future.

These days, it is no secret that securing reliable funding sources for college students is quite difficult. After you have exhausted all government grant options and scholarships, where can you go to find the money that you need for your children’s or your college education? Well, this is exactly what we will cover in this article.

PLUS program

One viable option would be to look into the PLUS program (Parents Loans for Undergraduate Students). The program allows the parents to borrow a certain amount of money per child from the government, at lower interest rates. PLUS program loans are mostly based on the ability of parents to repay them, not on their current financial needs. In most cases, parents start to repay these loans immediately, or within 60 days, once the funds have been transferred.

Unsubsidized bank loans

Next up, you should consider raising college money via an unsubsidized bank loan. A large number of credit unions and banks are known to offer special loan programs to future students, with interest charges up to 2% below the current market norms. These loan programs commonly have financing schedules that are longer when compared to standard consumer-type loans. These are loans made to the parents, not the students. This is simply because parents have a longer credit and financial history, which the bank can safely rely on.

Loan plans and bank savings

Another method of raising college money involves using a loan plan and bank savings. This method is quite similar to the credit line. However, it is based on how much money you currently have in your savings account. Your bank will usually multiply that amount by a certain figure and let you borrow that multiplied amount so as to finance college tuition. However, keep in mind that, if you have already emptied your savings account to pay for college, you will not benefit from this method.

College-sponsored programs

Last, but not the least, you should also pay attention to various financial programs sponsored by the colleges themselves. A good number of colleges, especially the private ones, are known to offer a wide variety of creative options. scholarshipIn general, a college of your or your child’s choosing will provide you with a loan, which you will pay back over a long period, in some cases even up to 30 years. One key disadvantage of this method is that you will probably pay more interest over such a long period. In most cases, once your child has graduated, a college will sell your loan to another institution, for example, a loan company or a bank.

Be persistent and patient

In the end, be persistent and never give up. Even if it may seem that you have exhausted all the available options, make sure to keep looking. There are always some old programs that you might have missed, as well as new ones that are regularly springing into existence. If nothing else, you can always rely on your college’s financial office and discuss with them any possible financing options.

Tips To Consider When Choosing An Online College


Many people from different parts of the world choose accredited online college courses to obtain degrees. Several different modules enable to you study arts and sciences, education, social work, and even public administration. Online colleges are flexible, convenient, and offer education that propels the student into new careers. Online college is gaining popularity, and many people have enrolled to pursue different courses.

Some colleges offer degree courses online. However, it is a daunting task when choosing the right college and course to pursue. Away from looking for an online college offering your desired courses, there are several factors which help determine which program best suits your educational needs and goals. The first thing to do is to visit the college’s official website to know about it.

The following tips are helpful when choosing an accredited online college.


No matter what you read from the official website of a particular college, always remember that it is ideal to attend an accredited online college that is invaluable to a career of your choice. Most employers would not approve applications from the prospective employees if they did not attain a degree from an accredited online college.

Reliable resources

Just like any other traditional college, finding an online college which has the rReliabilityequired career resources is a very crucial step. You do not have to get to a point where you possess an online degree, but there is no assistance when looking for a job. The current job market is increasingly becoming competitive. Therefore, you to enroll in an online college that has got all the required resources.

Level of technology

Many students pursuing online courses have often complained of, missing exam and assignment marks. This happens when one wants to submit his or her assignment using a computer, only to receive a messaging error because of the poor technology involved. An ideal online school has a technology support center that works for 24 hours a day and seven days a week. This helps the students in avoiding such situations by simply calling the colleges’ support team to help in troubleshooting the problems. A student who enrolls for an online college with a great technical support team will surely pursue his or her education without hitches throughout the schooling period.

Tuition costs involved

Just like in any other normal college, the tuition fee is a must and may vary by the online college and the type of degree program. If it happens that funding for your education is going to be hectic, then you need to research and make a comparison on tuition costs from some online colleges. Make sure that you know any other additional expenses you are expected to pay apart from the tuition fees.

Class schedule

An open course implies that the student is always enrolled in an entirely online course whereas blended courses compensate for the traditional classroom instructions along with online learning. You should always ensure that you know the class schedule before you start your learning.

Courses that are offered

This should be your main consideration and never overlook at this factor. Although an online college may offer a program that best suits your career needs, it does not mean that particular course best fits you. Furthermore, you should ensure that you choose a career that you are happy with.