How Do I Pay For College On My Own?

[@Tigerkem]

Tough break to lose both parents at such a young age. Hope it goes well for him.

[@buggld]

Seriously, and a couple years before he was planning to go to college, too. He's handling it far better than I would have.

[@adelittastanton]

Honestly. I want to be friends with this man

[@ChrisInvests]

Start at a community college, working your way through so you can make sure that's what you want to study Then transfer to a state college for your degree 📜 😀👍

[@CarlosFlores-xf2sn]

Chris Invests yesss, that’s what I did & now transferring to state college this Fall

[@kevinb8881]

That's what I did also!!

[@zafjaskdjf]

I went to a commonwealth campus, got a good gpa and have been in state college for 2 semesters now. Its the way to do to it! Double major in engineering. This guy will be fine!!

[@efrenalmaguer777]

Community college is great. Finishing my 4 year degree this December with no debt.

[@Ezvu]

@@efrenalmaguer777 congrats bro

[@Jaisee14]

I hope the best for him. Losing both parents and being only 18 is unimaginable. *God Bless* *Him*

[@phillipj.anglin5950]

I’m on the Pell Grant, in addition to working in a shopping mall. One of my goals is to go to college without taking a student loan!

[@michelarosier1918]

I agree totally. I'm bless with a Pell Grant as well. No, student loan, even though temptations are hitting me every semester's, beauty much I said no Thanks. I work in the afternoon, I'm trying to get my B.S degree and getting it done.👍🏽

[@johnschwindt3049]

Army will pay for it!

[@yasmymperes6403]

👏👏👏

[@xxxxx447]

Could you?

[@InvestorCenter]

I graduated from college this past week debt-free. I am a first generation college student and my single mother didn’t have money to help. I worked 50+ hours a week between internships and starting my own business. This wouldn’t have been possible without Dave Ramsey and the Ramsey Personalities. Graduating debt free is possible. God bless.

[@austina4189]

When dave went to college it was actually AFFORDABLE! my dad is Dave's age and went to 4 year college for $300 per semester

[@TheFishingNomad]

And today you can find schools for $4000 per semester.

[@taylorbrione]

@@TheFishingNomad Not very many universities.

[@TheFishingNomad]

@@taylorbrione doesn't matter how many. If you don't have money, you go to those schools. You don't take out a loan just to go to a more expensive school.

[@taylorbrione]

@@TheFishingNomad I'm saying that in every area there is not a university that cost $4,000. Of course community colleges but once you need a bachelor's degree tour affordable options are limited. I'm in Houston and we have great schools, some of which are "affordable" according to the average but not really for a student like him with no support.

[@TheFishingNomad]

@@taylorbrione I'm aware they're not everywhere. But then that person has to make a choice. Do they stay where they are and take out a loan or do they go to a cheaper school in a cheaper area. It's their choice. If they choose the more expensive school that's fine, but then they can't complain about how much it costs or the loans because it was their choice.

[@claro1217]

Going to community college for the first 2 years is a perfect idea because the tuition is going to be so low that you will actually get paid to go to school with pell grants, its like a free source of income!!! definitely go to a community college!!!!

[@715SF]

Claro A Agree with you 100%. This is what I did. I will be graduating in May at my CC. With no loans. Fasfa paid for all of it. I will be transferring to University with Fasfa, a university grant, and a scholarship. That will cover all my expense for two years! The cost of ONE semester at that university = a two year degree/ two year gen eds at my CC.

[@LittleHatori]

^ this is true

[@cherrytung]

*Yes!!! We see too many college grads get burdened with SO MUCH COLLEGE LOAN post graduation. I would say the same - go to CC and transfer to a college of your choice later down the road. Such good advice!!*

[@fantastic180]

good advice

[@blakeb4583]

He should look into Community colleges near Penn State. Lots of universities partner with community/junior colleges where you can take the first two years at the college and then transfer to the university for the remaining two-three years

[@mustafaidris2572]

I agree!

[@kennnnnnnnnnnnnnnnnnn1242]

Im doing that and I paid $0.00 for community college I’ll cash flow my 5 quarters at university

[@wolfrig2000]

There are none, Penn State is BFE

[@walterclements2877]

What if you want to go to grad school, like ned school or dental school? You miss out on a lot if you don’t go to a four year for all of college. Internships, connections, and more closeness to grad school.

[@blakeb4583]

Wow and i thought it was hard just having my father pass away and going to college, can’t even imagine losing both of my parents.

[@jae9843]

I wish I'd known about the benefits of community college (and saving money) when I was 18. I turned out alright, but it would've saved me and my parents a ton of money. Not sure if they still do, but community colleges just had a stigma to them that they were for the intellectually undesirable and the poor. Reality is though, (1) it's super smart financially to take as many of your "useless" 100 and 200-level classes for as cheap as possible, and (2) the ultimate revenge against some 18-YO looking down at you for going to community college is effectively having an extra $20k-$40k in your bank account after graduation. And of course, if invested over even a decade with modest returns, it's basically double that. And over 30 years, 10x's that.

[@StephanieBogart]

I’m surprised Dave doesn’t have grants available for students. 🧐

[@octavian2381]

he's not Jeff Bezos

[@Dcam0104]

you don’t gave to be to give a $500 scholarship or grant clown 🤡

[@Dcam0104]

Octavian !!!

[@johnschwindt3049]

Why would you just give money away? If you give a man a fish he eats for a day... Dave is teaching advanced fishing techniques here, not giving out fish.

[@comentaristax9804]

@@octavian2381 even most of bezos net worth comes from a increasingly lower percent of amazon he is not able to sell in one day

[@marinamarina6687]

1 💡 idea, I don’t know how much good one tho, lol, or how much would people love this, but this is what I do: I work as custodian (cleaner) for one private university because they offer tuition remission to all their workers, so instead of paying $160 k for 4 years of school, I will just have to pay for books. Currently applying for grants to not even have to pay that. (I really don’t like school debt)

[@suelow7603]

A friend of mine is Dean of the College of Education at a local university. She advised me to do the same. I wanted an MA, and I want to pay for my teenage daughter's education. She advised me to get a job, any job, at the university as they pay 100% for myself and family.

[@carojames6776]

His ambition WILL see him through.

[@sarahmar123]

I went to a Penn State branch campus and saved sooo much money. You still get a Penn State degree but you pay way less.

[@chrisrush3513]

I'm cash flowing at a community college, getting help from the HOPE grant, and I'm going to apply for every grant I can get. My actual out of pocket isn't too painful, but luckily I'm taking a small program! Don't stay at a dead end job hoping it gets better, take the initiative and make something of yourself, and most importantly, DO NOT BORROW MONEY!

[@lizbecker1677]

Some community colleges have a reciprocity agreement with four-year state colleges, and they will accept credits from community college easily. The bonus is that you can graduate with an Associates' degree first. Also, get a job at a manufacturing company working on the assembly line or shipping dept. Just get your foot in the door of a factory and learn as much as you can on the job while going to school. That will help you get accepted into a four-year program and get a job eventually. You might even be lucky enough to get a job at a company that offers tuition reimbursement. Like Dave says, forget the loans.

[@brianb900]

Better to go to penn state than state pen.

[@willmallory9085]

OMG that's funny! 😆

[@garyhost1830]

Dave advice is so good. It's easy to tell he really cares.

[@AdaEstherGJ]

I'm sorry for both of your parents loss. Seems like you are such a smart young man. Good luck with your journey. Work hard. Stay blessed.

[@nillavice]

This ten-minute video could be summed up by saying “go to a community college first to get your gen ed classes out of the way and then finish your degree at a university you can handle.”

[@divinelyfeminine2612]

Love this advice Dave!! I pray he takes it.

[@lilyann168]

I am a working middle class person. If nothing crazy happens between now and the end of next month, I should have saved up more than I ever have saved before. I've had amounts close to this before, but they automatically had to go to student loans or cars. Both of those are now paid off. So now I get to keep my savings. I'm so happy ya'll! I don't really want to say how much, but no, it's not an insane amount. Plenty of other middle class people probably have this too. But I did it on my own! No spouse or family wealth. I am proud.

[@carojames6776]

Keep your head on your shoulders and save more than you thought you could possibly save in a lifetime!!!!

[@lilyann168]

@@carojames6776 Thank you for the encouragement, it is a constant effort, but so rewarding.

[@carojames6776]

@@lilyann168 Yes its a FANTASTIC TOP OF THE WORLD FEELING !!!!!

[@kiyasuihito]

The only thing I still am thinking after this is, it sounds like the guy is capable of graduating with the degree he wants because he is smart enough and has at least enough exposure to the field to know he likes it, once he graduates and gets his job, 10k$ in loans will be nothing to pay off with his big boy salary. It would probably take him a few months. I'm all for the things Ramsay suggests that minimize the cost, I did something similar. But with such a high paying field waiting for you at the other end, why stress about a little loan debt that will get you there a few years faster. Opportunity cost.

[@onyeilonyeil9468]

1st he's wise for asking for advice. This is wat every student should do b4 college. Find d best economical path forward. Getting a college loan can be so easy, but wen ur done, well...

[@backlundbob4171]

This will succeed. He is a juggernaut mentally.

[@oreally88]

Great advice Dave! I hope he listens.

[@sabrinatatalias4277]

Great advice, also im from pittsburgh, and there is literally a tech/trade school for aerospace here.....so you can get gen eds or an associates. So many options.

[@intelligentinvestor7615]

Dave Ramsey is such a huge role model for me! I've hit a 50,000 dollar net worth at age 20 and I've now starting my own KZbin platform because of the encouragement I've gotten from people like him! Don't miss my Dave Ramsey Book Give away today!

[@marktheshark2569]

How’d u do that. How you making so much money at 20 to have a 50k net worth?

[@tenalienoreos8802]

I hope he stays strong and succeeds

[@cherrytung]

*Step 1: Watch Dave Ramsey*

[@LucyWonglondonbody2body]

Poor kid. Hope he succeeds

[@notarussianbot8157]

I have so far received 35k cash in grants and scholarships to fund my education, not including fully paid for tuition. I go to a small city college with a Bachelor's program.

[@notarussianbot8157]

I'm also an orphan

[@thecapablewoman2881]

He can also go to Germany, Poland or Cuba for free college as an international student and learn about a new culture.

[@David53D]

Yeah, but paying for housing, food and other expenses isn't included and there may be no courses available in English. Many other countries offer almost free college such as the Philippines and all courses are in English.

[@missdesireindependance5194]

Cleping courses may be the solution for him to earn his degree and working. I was in this situation after my mother passed and I choose to work full time and take online classes.

[@aimlessweekenders]

I took out student loans for my BA which I completely regret.... I didn’t have the financial literacy then, that I have now.... but now I’m looking at going to grad school and paying out of pocket for that 😭

[@AlliNW0nderland.]

That’s very smart advice ... and I’m glad I pretty much went the same route with my college years.. started with community tech school and then transferred to finish the program specific stuff $25k remaining to pay off but almost done 💪🏽

[@casuallym3]

Not bad at all how are you doing now ?

[@AlliNW0nderland.]

@@casuallym3 oh thanks for the check in! I’m completely debt free as of December 2021! 🎉

[@casuallym3]

@@AlliNW0nderland. YAAY CONGRATSS !

[@dchrysostom]

Great advice 💕💕

[@talyahr3302]

He could get a 2 year degree in engineering, get a better paying engineering job, and use that money to cash flow university. His employer might even help pay for it, and if not he'd still have a lot of engineering credits transfer over.

[@thinkmackay8954]

First two years of college are only mandatory classes. Make sure you only take classes that pave the road leading to your degree.

[@goodforyou3000]

Machine shops would pay good money for someone like him. Especially ones in aerospace.

[@jacobg8640]

The one thing that scares me is when it comes to financial aid, it's hard to know how much money you need 4 years into the future. Pell is probably more secure, but I had state aid taken away halfway through my undergrad because I had worked extra to avoid loans. On track now, but that was a scary time.

[@BCMTech]

Would absolutely love to get into contact with Sean if possible, I too am from Pittsburgh and am paying for college on my own while attending Penn State. We’re in a really similar situation in that way, and I would love to speak more with him.

[@rayshonqjames]

Air Force or Naval ROTC will pay for your degree in that and you will be an military officer. The other option is take 4 years in enlisted in one of those two branches pick jobs in aviation so than you get hands on experience in that field. Then go to Penn State with tuition all paid and roughly $1500 a month living allowance thank to G.I.Bill.

[@marcusvision]

If the grades are right, he better apply and move to the college that basically will pay him to go. First generation

[@mznbhd]

I wish college was free...😭

[@micajahnordyke5760]

Work for an employer that offers tuition reimbursement!

[@skimmis]

Feel so bad for American students, where I live Uni and College is completely free with the exception of some private schools (only a alternative though).

[@TheCbone1979]

Join the Air Force - get job skills, get paid and get your education you want

[@TheCookieFranco]

TheCbone1979 Exactly!!!!!

[@thejollydwarf2275]

My parents refuse to help pay for my college, and I'm graduating in about 90 days. I've applied for the FAFSA, but I don't know what to do now! I tried to find out how to apply for scholarships but I can't find any with an application date that hasn't already passed. My school isn't at all helping me and my parents never went to college and I've got no one to help me. I'm stressed and I can't figure out what to do.

[@dchedid6875]

ModTheGodOfGoats I would plan out what exactly you need financially on paper, then make a plan on how you’re going to pay for it

[@ayoohuncho5508]

Same for me im in the EXACT SAME BOAT 🤦🏾‍♀️

[@cheeto1353]

i didn’t even get financial aid lol i’m paying on my own no tuition assistance

[@johnmartin4641]

Sell the parents.

[@austina4189]

This is where those dorm room business that get you kicked out of school come into play

[@christinewood3473]

Careful with that aerospace degree. If you take ANY gap years your classes may be useless. You HAVE to finish fast.

[@veronicavatter6436]

CCAC is a pretty good community college in Pittsburgh. I hope he went there.

[@jeffswoyer9898]

Contact the AFROTC unit at Penn State, enquire about a scholarship. Yes, you would have to commit to the Air Force (its not that bad as an Officer), plus, even if you don't stay in till retirement, you will make contacts, do work, and establish a reputation in the field. Plus, being in the military is a good resume builder

[@Dog.soldier1950]

Join the Reserves or National guard

[@jtsays429]

I did small loans and paid off before the next school year with 3 jobs every summer. and paid for books cash.

[@lovealwaysjasmine]

Would love an update on this. Hope he’s doing well

[@scubasteve5659]

is it maybe a good option to graduate with lots of loans and debit and just move to some European country for work after school and not pay anything back ever??

[@IXIDurkaIXI]

Nonprofit colleges are another great option for people wanting to continue there education. Colleges like WGU have there majors all online and are very inexpensive. You can work and go to school at the same-time as well.

[@trevorlefiles8633]

I learn from the comments section than I do these videos.

[@xXt115Xx]

Rotc. Pays for your degree and you get a job after

[@juanok2775]

an Aerospace degree can get you a job anywhere specially if you know a little software meaning you can write some C or Python scripts

[@thetomasloretta]

So the young man has $40k saved. I’m not sure why he’s calling then. He also says he has additional sources of income and is living rent free and will continue to do so. What he needs to do it sit down with a financial advisor and organize his thoughts and make a solid plan on how to graduate either debt free or with minimal debt. He can afford Penn State, he just needs a plan.

[@taylorbrione]

Wow, if he was "adopted" not under legal guardianship in Texas, the state offers free tuition for those students. Maybe he has something similar there...omg this is sad.

[@tmusa2002]

Our culture teaches young adults that “college is expensive” and that it didn’t used to be. It was never cheap because we didn’t earn as much. So people end up getting loans and getting overwhelmed with debt. So frustrating.

[@MrJay197409]

Wait a year and then goto college. He wants to do Aerospace join NASA or the Air Force.

[@leeloo6560]

I vote air Force til you can get into NASA in a non entry level position

[@johnschwindt3049]

He should go get certified at a welder and then work and put his way through school that way. Earn a skill, then earn the education.

[@earllsimmins9373]

Perfect candidate for Air Force

[@wolfrig2000]

Bad advice. He's $10k short, just take a loan. An Aerospace Engineer will make that up in the first few months.

[@Naithesther7085]

Tips for saving for collage ?

[@hopeharrell1018]

Oh! Poor thing!

[@JasonGroom]

Does FAFSA not tell you and apply for what student loans you qualify for anymore?

[@alvinnguyen702]

No student loans!

[@WadeFadeit]

This a video i needed

[@annama9767]

What about private scholarships? This kid would have been a great standout candidate.

[@queluu9733]

I stop you right there Dave, community college is not $2000 annually, it is around $4000.

[@amereus1]

Ok but 4k is still far less then 18K.

[@fsmoura]

Ｗ Ｏ Ｒ Ｋ Ｏ Ｒ Ｋ

[@user-td7xf3gz4l]

School choice more important in this scenario.

[@BernalAzul]

$1800 dollars for a year? That is what we pay monthly in Mexico!

[@David53D]

My daughter received a full scholarship from Texas A&M including housing and my son will likely receive the same based upon family income and perhaps due to being half Hispanic as well as receiving high grade points in High School.

[@Nethezbet]

Uncle Sam covered my college. Masters degree, not a penny paid. In fact, I actually made money going to school lol.

[@willmallory9085]

I'd gladly pay higher taxes so he can have free college tuition. As long as he has the grades. Prisoners already do! His only other choice is to Enlist in the military.

[@dchrysostom]

Get a job ! I did - WTH

[@burner2235]

How did he not inherit enough money to fund school

[@APennyPinchersGuide]

Should definitely check out the book "A Penny Pincher's Guide to College"

[@izzyreneau5702]

My brother wants to go to college but it has an expensive tuition. I’m already paying loans and my parents can’t pay for my brother’s tuition. Not sure what to do?

[@johnmartin4641]

“Sell the parents”

[@joliettraveler]

Join the ROTC. You get paid. However you need to serve in the military after you graduate. You will be an officer.

[@grcdtgrw]

I have a crush on this guy. Hahahaha!

[@collegeliftoff686]

If you need help paying for college we can help

[@cristelahopkins447]

Get a double education. Learn a trade while saving your cash for your school.

[@JackieGrenda]

What about the Air Force??

[@denzel7882]

You could also join the military for 4 years and go to school for free!

[@clair233]

If you do service in the states they pay your tuition?

[@deangeloburton1996]

They also pay you rent to go!

[@user-td7xf3gz4l]

@@clair233 gi bill

[@yayyareaa2997]

Yep

[@XCVi_MAC]

G.i bill. Worth it.

[@whysoblutube]

He’s gonna take the loans.

[@twandisinyenga6003]

I would like to be live one Day

[@courtney1427]

He should have received financial aid

[@jackdruyon7338]

Has 40,000 in savings. Bro where's your problem hahaha

[@TheCookieFranco]

JOIN THE UNITED STATES AIR FORCE!!!!

[@corvusmortuus2369]

CLEP some courses.

[@idkafknhandlebrah]

im sorry but a 'fair' amount of $40,000? id feel rich asf if i had that much

[@shiftie5354]

U dont

[@janethockey9070]

Nanny gigs