Need advice

Check out this youtube video. She talks about graduating debt free. She has many other helpful videos you can find by searching for " the grown up millennial ". The girl is not just beautiful and smart, she is also my daughter! :D

 
Stay home, or the dorm, and do two yrs at the college to get your Associate's degree. After the two, you will know whether you want to go to another college...or whatever.
Been down this road myself, and with sons...
The DEBT is a KILLER. Many graduating seniors these days owe about $100,000 and it is now pretty common that lots of graduates are defaulting on their loans... Not enough jobs available ...means no salary...means you cannot pay back the loans.
Avoid student loans if you can...It's a bitch that will bite at you for ten yrs or more trying to pay it back... Been there.
Took me nine yrs to get thru the first four, as I was working much of the time. I still had a loan when I graduated but it was small and I could pay it easily.
MUCH smarter if NO loans. Trust me.
 
If you can stay at home for school, DO IT! At least the first couple of years. Avoid the debt if you can. Here is one example why.

When my daughter started college, I suggested that she not declare a major up front. Just take general ed classes to start. Did she listen? No, of course not. She jumped right in, declared her major and started taking classes she needed. Non-transferable classes I might add.

After a year of classes, she realized that major was not her thing. The bottom line? One year of schooling down the tubes and money wasted. Year two was spent focusing on basic general ed classes and working for an eye care professional. Fortunately, she was living at home and avoided student loans for all of this.

Currently, she is out of state at a four-year university to complete her BS before moving on to med school. I'll admit, she did take out a small loan to start but is now working for another MD and doing quite well. I don't see any future student loans any time soon, if ever.

The reason I am telling you all of this is because life can change a lot the first couple of years attending school. No need to put yourself in debt if you can attend a junior college and stay at home. If you need to take on debt for school(sometimes it's needed), try to delay it until the very end.

FWIW, My ex-wife took out loans for most of her college education and she is going to be in debt most of her adult life.
 
Well op, leaving home would be the first step in making a life of your own.
But having such independence without a financial security net
is certainly not going to be without its pains.
Never take major decisions in life lightly.
Man up and accept the responsibility of making your own decisions;
the important thing would be to see it through to the very end.
Burdens never leaves, in fact it piles up the minute you figure it beat.
Be prepared to face failures just as much as youthful expectations run high.
It's not entirely a cruel world, if one but learns to make all decisions
without fear of regret... Know thy self, and best of luck always!
 
I can certainly understand the getting away from home but anything to stay clear of real debt will be best typically. I will say if you have no debt or credit of any kind you will want to begin establishing that. I won't go into that as its more of a separate topic but just general advice there for you. I don't personally think living on campus is necessary and found much of the on campus living disappointing when I did it. I would make an exception for frat housing it typically has more potential for what I would look for. You will still be able to spend plenty of time on campus away from home and enjoy a fair degree of freedom and independence.
 
Paying off student loans is hard.
Agree with the idea to at least start out with staying at home.
 
Depends on how well your parents cook. If it's good, stay home and enjoy it. Dorm life is for sure fun, but not having crippling debt is also awesome.
 
Yeah, not really knife related here...

I took the home approach, as well as applying for every single grant that was offered and available for college students. Grants are way better than loans, as they don't have to be paid back. Or at least they weren't in my case. I saved a lot of money, that went on to make it possible to purchase a lot of good quality knives.
 
Paying off student loans is hard.
Agree with the idea to at least start out with staying at home.
 
Start researching compounding interest. Paying off loans is a lot more difficult than it seems at first... Especially once life starts throwing all it's monthly fees at you (energy, phone, water, rent, food, internet, knife fund, etc)... You'd be amazed at how quickly purchases like toilet paper, shampoo, deodorant, etc add up. Coming from someone who is just now finishing paying off a school loan after almost ten years... Do everything you can to avoid taking out a loan. Your parents are making you a ridiculously generous offer... I'd take them up on it. At least at first.

You can still have a pretty awesome college experience away from the dorms. I spent my first year in the dorms and it was fun (when I wasn't dealing with a shitty roommate, who thankfully dropped out after 3 months), but the real fun didn't start until year two when I lived away from the dorms (still spent some time partying at the dorms).
 
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You just need a Sugar Mama Cougar. Solved !!! Start looking!!! What are you waiting for!!! You now have the solution.
 
I am oh so close to becoming relatively debt free again, for only the 3rd time in my life.
1st when I was young and dumb, and hit the world head on.
2nd during my 1st marriage and military stint.
3rd...... right now, im almost there, at 38 years old.

Definitely stay as debt free as possible.
 
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