In my last post, I mentioned one of the ways one can get a college degree without debt. In that post, I explained the importance of community colleges. In this post, I am going to give another example of preventing debt while geting a college degree. The present method requires more discipline than the first one. The method I am refering to here is getting college credit by taking college equivalent courses examinations called the Advaced Placement examination (AP) and College Level Examination Program (CLEP). These two exams are organized by the College Board and accepted in many institutions of higher learning worldwide. Interested candidates can go to the website of the College Board at https://apstudent.collegeboard.org/home?navid=gh-aps and https://clep.collegeboard.org/ respectively.
Students who take the exams and pass can obtain up to 2 years equivalent of a four-year college degree. However, each college or university has a limit on the courses and number of credit it can accept. So, you should ask the institution of your choice about the courses and the credit limit they accept for these exams. The good thing about these exams is that you can study at your own pace and take the exams when you want to. This means you can be working and be taking the courses one by one. The money you saved while working can be used to pay in-state tuition for the last 2 years of college. In this way, you can never be involved in student debt. Even in courses like medicine and law, the amount of student loan a student can take to complete the course will be significantly reduced. However, you should be highly disciplined since nobody is controlling your time. The second thing about the exams is that you can take them in many parts of the world and they are not expensive. Visit the website of the College Board and get all the necessary information to help you.
Think about this!
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