How to overcome financial barriers to education?

While many people will strongly recommend a college education as a way of affording yourself a financially stable life, there is a significant cost associated with a college education. Not only do you have to pay tuition for your courses, but you will also incur costs associated with textbooks, computers, and other living expenses if you are attending school away from home. In addition, you will also lose much of the time that you can spend working while you are attending school which will limit your ability to earn income. Overcoming these financial obstacles to education can be challenging but this article will provide you with some options to overcome these obstacles.

Considering alternatives

One of the more important steps is to consider what alternatives you may have to obtaining an education. Perform a cost benefit analysis by considering what your salary will likely be with and without an education and the amount you believe you may spend on your education. For some degrees it is often not worthwhile to attend college. If you are set on obtaining an education, then you may want to consider alternatives. An associate degree can often be obtained at a lower cost than a four year degree and many of the credits you obtain may be able to be transferred to a four year college. Consider starting off with an associate degree to satisfy some of your degree requirements at a lower cost and then transfer to a university to finish your degree. The same can be said of online courses which can be taken at a lower cost to a full four year university. Before you consider this alternative be sure to research the transferability of credits you may earn.

Funding options

There are many programs available that can help you to meet your tuition. Student loans at subsidized interest rates are commonly available for students and provide cheap financing for your education. Many grants and scholarships are available for a variety of individuals based upon merit, ethnicity, or other factors. Research the various assistance programs that are available including both publicly and privately funded options. Using these funding assistance programs can help you overcome many of the financial barriers to your education.

Sharing costs and earning while learning

If you are interested in cutting down the costs of your education consider ways to finance some of your costs and save money. One option is to share textbooks with other students as a way of reducing your costs. Search for cheap and affordable living options including room shares. There are many ways to live cheaply and exploring these options while you are a student is a good way to overcome financial difficulties. Another alternative is to obtain part-time jobs to earn money while you are in school. Any students choose to concentrate solely on their studies but many part-time jobs provide you with the time to study while working. Part-time jobs also provide you with discipline that can help you to structure your schedule in a more logical manner.


While financial difficulties can be challenging and limiting to your ability to obtain an education there are ways to overcome these financial difficulties. Consider alternatives to four year college programs and look for ways to help finance your education through financial assistance programs.

About the Author:

Today’s post was provided by Brian S., blogger for Brian is a Rollins College graduate who lives in Orlando, Florida. He has been creative writing for the last two years.

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