I was extremely frugal with my college decisions and effectively optimized for cheapest option. This is what I did.
1. In high school I took as many AP courses as I could possibly take and realistically pass. I ended up passing 6 of these exams. These exams cost $80 and get you the equivalent of "one course" worth 3 credits. My US history exam gave me 6 credits for 2 full courses! So in total I got 21 units. In effect, I paid $480 to complete 17.5% of my college education!
2. After graduation, I did not go directly into college. Instead, I skipped one semester and then used CLEP exams to knock out an additional 5 exams. These are exactly the same as AP exams but you basically self-study for the subject. The subjects you study are basically general education subjects like sociology or psychology. I got an additional 15 units from these exams for a total cost of about $500. At this point. I have completed 30% of college education for a cost of $980.
3. I apply to a community college and am subsequently accepted. All of my AP + CLEP exam credits are accepted. I then complete another 24 units at the community for a total cost of about $2,400. I don't fully recall what the cost was but this was on the high end estimate. At this point, I am basically 50% done with my college for a total cost of $3,380.
4. I apply to a state university which I am accepted to and then complete the last 60 units for my BA degree. I don't recall fully what the cost is completely but I would estimate it to be about $3,000 per semester. So estimated total cost for my BA degree was $15,380.
These numbers are just for the tuition and books. I lived at home the entire time, commuting to school. I also was working full time the entire time and paid cash for everything. Never had any student loans. When I graduated it took me about 4 months to find a job paying 52k per year. Major was accounting and I live in Southern California.
Most important thing is to make sure to use the resources that are available to you. AP and CLEP are EXTREMELY value resources to you. It just boggles my mind when I talk to people who complain about their student loans then I ask them if they took AP or CLEP exams. Some of them say they never even heard of these programs....are you kidding me?
1. In high school I took as many AP courses as I could possibly take and realistically pass. I ended up passing 6 of these exams. These exams cost $80 and get you the equivalent of "one course" worth 3 credits. My US history exam gave me 6 credits for 2 full courses! So in total I got 21 units. In effect, I paid $480 to complete 17.5% of my college education!
2. After graduation, I did not go directly into college. Instead, I skipped one semester and then used CLEP exams to knock out an additional 5 exams. These are exactly the same as AP exams but you basically self-study for the subject. The subjects you study are basically general education subjects like sociology or psychology. I got an additional 15 units from these exams for a total cost of about $500. At this point. I have completed 30% of college education for a cost of $980.
3. I apply to a community college and am subsequently accepted. All of my AP + CLEP exam credits are accepted. I then complete another 24 units at the community for a total cost of about $2,400. I don't fully recall what the cost was but this was on the high end estimate. At this point, I am basically 50% done with my college for a total cost of $3,380.
4. I apply to a state university which I am accepted to and then complete the last 60 units for my BA degree. I don't recall fully what the cost is completely but I would estimate it to be about $3,000 per semester. So estimated total cost for my BA degree was $15,380.
These numbers are just for the tuition and books. I lived at home the entire time, commuting to school. I also was working full time the entire time and paid cash for everything. Never had any student loans. When I graduated it took me about 4 months to find a job paying 52k per year. Major was accounting and I live in Southern California.
Most important thing is to make sure to use the resources that are available to you. AP and CLEP are EXTREMELY value resources to you. It just boggles my mind when I talk to people who complain about their student loans then I ask them if they took AP or CLEP exams. Some of them say they never even heard of these programs....are you kidding me?