Why borrowing money for college makes sense

Especially if you will have to pay for it yourself, getting a college education is the smart thing to do. (See the link for a helpful illustration of why that's so.) Sure, some philosophy majors work in restaurants, but for most people, the difference in income and opportunity is almost immediate after they get a degree.

Education is your best chance to get out of poverty, both for you and your children. It was the best decision I ever made. Make a list of questions and an appointment to speak to someone at a university Admissions office to discuss your options and where to start.

In the USA and likely in other places too, if you're poor or smart or talented enough, the government or school will pay for some of your tuition. Every worthwhile school wants you to attend, so they are often helpful in making it possible.

If you are in the US and you think you might want to go to college this fall, you need to fill out the financial aid forms now, because they process the applications in the order they are received, starting January 1 each year. Don't wait.

USA: You can find out what your Pell Grant eligibility is at www.fafsa.ed.gov . They also have some other grant info there, but your school will have even more information about financial aid.