Nip student loan debt by applying to these three types of colleges

Personal Finance

Sometimes the best bargains are right in your backyard.

During the 2017-2018 school year, the average in-state tuition and fees at a four-year public school was $9,970, according to the College Board. Add room and board, and you’re boosting the all-in cost to $20,770.

Not only do you have the benefit of in-state tuition costs, but states themselves may also offer grants and scholarships to residents.

For instance, there’s the New York State Excelsior Scholarship, which allows resident students to attend the state’s two- and four-year colleges free of tuition, provided their families earn no more than $125,000 a year starting in 2019.

Be on the lookout for tuition exchange programs which students can use to secure discounts at out-of-state schools that are within their region. The Southern Regional Education Board is an example, allowing students within 15 participating states to study in a public out-of-state school while paying in-state rates.

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