College Debt The Demon Which Follows Throughout Your Life

When you finish high school and excited about going to college, it is normal to explore several options and choices. The colleges are far & wide and the courses they offer are too many.  In fact American high school graduates are spoilt for choice when it comes to universities.  But, financing the college study should be the major criteria for choosing the college as the college loans have become a major problem for many college graduates.  The average college debt is as big as the home mortgage in many cases and it may take several years to clear it provided, the graduates have steady employment.  

Instead of thinking about how to pay the college debt, it is important to see how it can be reduced in the first place so that it does not become a burden they cannot handle.  There are several simple choices which significantly affect the loans required for completing college. 

Private vs. public universities

Private college tuitions are significantly more than the public universities with insignificant increase in quality of education. In many cases, Public universities have better staff and infrastructure than private colleges. If the college education depends completely on debt, then the decision to choose a public university is more prudent choice than private university.  

In-state vs. out of state

State funded universities have considerably lower tuition for those state residents. If the same course or similar course is available, in local university, it is practical to choose the local college than out of state college. this also reduces the travel and stay expenses if you are nearby to home.   the out of state colleges can be considered only if good scholarships are available and your priority is for higher ranking schools.

Speciality major Vs general major

During the undergraduate studies, it is not essential that the major chosen is specialized. This may narrow your choices for colleges and may cost more. When it comes to general major like arts commerce or general sciences or mechanical engineering, there would be several colleges offering these majors.   

There are several decisions to be made after graduating high school. The decision requires counselling from a professional who can guide you through this important life changing decisions. The counselor like Lia Huynh a San Jose Therapist does young adult counselling and provide teen counselling services.  In addition, she is a marriage therapist San Jose and also well-known Christian family counselor. The decision of college has to be done considering long term financial implications the experienced counselors like Lia Huynh help considerably in taking the right decision.