Our Student Loans page provides information regarding ALL student financing needs and wants. Few students today can get a four-year college degree without the help of student loans or financial aid of some type. If you have young children, you want to set up college savings accounts as soon as possible, as well as take part in any college savings programs your employer may offer.

Still, with the cost of a college education edging up not just each year, but in many cases, each semester, even the best planning can leave you and your college-bound child looking for help with the alarmingly high costs of college tuition, books, and lodging. Don't feel alone. Most people are in the same boat, and there is help available.

Most colleges and universities have financial aid and work study programs available to help with college expenses. Many of these are federally funded, but some are not. There are also student loans that are offered by the government, but in most cases you will have to prove your need and be below a certain income level to qualify.

If you do qualify for student loans, then you'll want to get your applications in as early as possible. Often it takes a long time for the loans to process, which means you'll have to come up with the money if your student loan isn't processed and approved in time to pay your tuition. This delay forces many college students to turn to the use of credit cards to pay their tuition and book expenses. Even when the loan comes through, a lot of students still have credit card bills to pay because of the accumulated interest on their credit card loans.

So the key to paying for college, with or without student loans, is to start planning early. If you're going to need student loans, get on those applications as early as possible. You can get most of the information you need about applying for student loans through the financial aid office at your college or university. There are also student loans available for two-year programs at technical community colleges. But the loans will not come looking for you, you have to go find them!

You can also find a great deal of information on student loans on the Internet. There are many online sources for learning the ropes of applying for loans and other financial aid. Rather than apply for a student loan, for example, you may want to pursue a grant. Grants are absolutely fabulous because they do not require repayment, and it doesn't get any better than that unless you have that trust fund from Uncle Ralph and no worries at all about how you're going to finance your college education or repay loans you took out as a student!

Grants truly are an excellent alternative to student loans and may be much easier to get than you may think. There are grants available for minority students, continuing education students, children of veterans and women, to name just a few. Grant information can easily be found on the Internet. The college or university of your choice will also have valuable information on grants, so you should, again, check with the financial aid office of the school to find out what grants they have available and if you may be eligible. You may be pleasantly surprised to learn you won't be paying off student loans until you're old and gray because there's a grant out there that's just perfect for you.

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