| ---------------Get Life Skills - Not Student | | | | cooking my own food and eating well on about$17 per |
| Loans---------------Student loans? Who needs them? | | | | week.----------2.Lodgings----------I can only suggest that |
| Take charge of your money for the rest of your | | | | you shop around. Remember that $20 saved per |
| life.=================Part I (This article)Part II | | | | week is $1000 saved from your student loans each |
| Student loan consolidation has big benefits for | | | | year even without interest payments.--------3. |
| losersPart III Idea beats student loan consolidation and | | | | Health--------The damage you do to your body adds |
| creates a winning mindset.==================You'll | | | | up over your lifetime, so it's a good idea to stay |
| never need student loans with these ideas.1.Grants in | | | | healthy. What has that to do with student loans?It turns |
| place of student loans - no repayments2. Part time | | | | out that fast food is bad for your health, and so are |
| earning decreases student loans3. Economising (builds | | | | most processed foods, and cooking your own food |
| life skills) avoids some student loans----------------1. | | | | means that you can avoid trans-fatty acids, sugar, and |
| Grants - Supreme way to avoid student | | | | all the other things that cause obesity. Curry, broccoli, |
| loans----------------A grant is a gift of money that you | | | | tomatoes, garlic, brazil nuts, and cabbage among other |
| don't have to repay. Isn't a $50000 grant better than | | | | things fight cancer. And they all make less demands |
| taking out student loans every year for four or five | | | | on student loans.----------4.Transport----------Make |
| years?There is a club that keeps its members abreast | | | | enquiries. How much would you save from your |
| of grants that they might use. You can avoid student | | | | student loans by buying a bike instead of a car? |
| loans. These grants aren't confined to education so | | | | Would public transport be better? Would walking or |
| you aren't confined to avoiding student loans. If you get | | | | running for exercise be even better? How much would |
| a grant, save actively to build a nest egg and the right | | | | it cramp your style for dating?Remember, buying a car |
| mindset.-----------------2. Part Time | | | | with a student loan involves not only repayments, but |
| Earning-----------------There are lots of ways for you to | | | | fuel and oil, repairs, licensing, and depreciation. I travelled |
| work your way through college. What I like is that they | | | | 2 hrs/day on my pushbike getting exercise and no |
| encourage an aggressive "go and get it" mindset. | | | | college loans.-----------5. Social Life-----------Look for |
| Student loans encourage the "wait for it to come to | | | | free pastimes. If your friends aren't interested in ways |
| me" mindset.I have details of how a teenage girl made | | | | to avoid college loans perhaps you have the wrong |
| a profitable website. She'll never need student | | | | friends.If you finish study at 25 and work till 60 that |
| loans!One girl runs dogs. That's right, she runs for half | | | | gives you a working life of 35 years. So a 25 year |
| an hour with 4 dogs that need lots of exercise, then | | | | student loan takes a big chunk out of your life, even if |
| picks up the next 4 dogs.Don't lose sight of your target. | | | | you are never unemployed.And that's before you take |
| You want to avoid student loans, not impress your | | | | out a mortgage!-----------------------Other ways to |
| friends with how much you can spend.--------------3. | | | | economise-----------------------Buy second-hand |
| Economising--------------I had a grant for University. | | | | whenever possible - even your textbooks. Clothes |
| Fellow students complained their student loans or | | | | from the Salvation Army are cheap. Use eBay, but |
| college grants were too small. I saved money from the | | | | don't buy anything you don't need. My first boss said I'd |
| grant by economising.A dollar saved is four dollars | | | | furnished my house for less than he spent on his |
| earned. You pay back about twice as much as you | | | | bedroom.Negotiate - Important for second hand, even |
| borrow, with money from which the IRS has stolen | | | | more for new goods. When you go in to buy a new |
| 50%. So each dollar you save avoids earning four.You | | | | fridge, the attendant waits to see if you're stupid |
| can economise on these and have better health.1. | | | | enough to pay the price tag, or ask for a |
| Food2. Lodgings3. Health4. Transport5. Social life-------1. | | | | discount.Remember a dollar saved is four dollars in |
| Food.-------Learn to cook. You're at the mercy of food | | | | student loans that you won't have to pay back.Read |
| suppliers until you can cook. One student got into the | | | | more about these methods Ian has tried. You could be |
| news because student loans only covered tinned | | | | a millionnaire with the right mindset. |
| dog-food for him to eat. That's too expensive! I'm | | | | |