Crash Course on Back To School Budgeting

school budgeting

Most university and college students have been back in class for a few weeks now and no matter how optimistic they might have been at the start of the school year, it’s likely they’re already starting to feel the constraints of school budgeting.

Even if you have a job during the school year, there’s no way to work as many hours as you would during the summer and that – combined with the drastically increased costs that come with having to pay for classes, textbooks, rent, transportation, food, and everything else that comes with being a student – means that you’re probably starting to feel the pinch in your pocket.

We’ve compiled a list of posts on saving money as a student that we hope will help you with your school budgeting so you can stay on track as you pursue higher education!

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Tips for Students: How to Save Money When You Go Back to School

students

Going back to school is expensive no matter what grade or level of education you’re at but nothing compares to the costs associated with attending University or College. As September approaches, it’s a good time to start planning and budgeting for the year ahead. Here are some of our tips to help students save money when the new semester rolls around:

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Student Loan Key Terms

student loan

Delinquency/Default – You are considered a loan delinquent if you fail to make loan payments when they’re due. Extended loan delinquency eventually leads to loan default, in which you fail to repay your loan according to the agreed upon terms. Student loan delinquency and default can very negatively influence your credit score and credit history (affecting your ability to take out any other loans or types of credit in the future).

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Student Loan or Student Line of Credit?

student line of credit

Getting accepted into the University or College of your choice is one of life’s happiest moments for most students – at least until they realize how much it’s going to cost. Post-secondary education is notoriously expensive, meaning the average student has to take out at least one loan in order to go to school.

We break down two of the most popular options – the government loan and the student line of credit – to help you figure out which one makes the most sense for you.

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