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How to Get Through College Early and Debt Free!

how to get through college early and debt free

I get so many questions on what we’re doing for high school and college that I wanted to share our plan. Although I know this plan isn’t for everyone, it’s working well for us and we hope to graduate our kids early and virtually debt free!

When I went to college, the path was pretty straight forward. You graduated high school, went to a 4-year university, accumulated a ton of student loans and debt, graduated, and hoped for a job that would pay off all of your debt. Things have changed drastically and now there are so many options out there for higher education.

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How to Get Through College Early and Debt Free! 3

As a homeschooler, I was worried about college just like everyone else. But now that we’re at this stage of life, I’m so happy to see that our options have increased. Gone are the days where you needed a 4-year degree to pursue your dreams. Depending on what your goals are, there are trade schools, online options, CLEP testing, community college, apprenticeships, military opportunities, and dual enrollment courses that can all work together to get your high schooler to where they want to go.

We are planning to take advantage of a variety of options and will hopefully come out on top, ahead of schedule, and almost debt free!

Before I get in to all of this, I do want to caution you against rushing your student into dual enrollment classes too early. Of course it’s just my opinion, but throwing a younger student into college level classes before they are ready can cause a lot of stress, anxiety, and if they go in person, it can be difficult being the youngest in a class full of adults. Please take this advice as just that, and keep it in mind before rushing into the dual enrollment process. I know there are opportunities to start these classes earlier, but we really wanted our daughter to be comfortable taking these classes and so we waited for her senior year to start. I think it was the right decision for her, but of course your family might be different.

So what are we doing?

We’ve decided on a combination of CLEP testing, dual enrollment classes, online classes, and then will ultimately transfer into a university to complete her bachelor’s degree. So let’s talk about a few of the options that we are taking advantage of. She is also participating in 4H where she’s already earned a few scholarships for her intended degree and of course we’re saving for future courses as well.

CLEP TESTING

What is CLEP testing you ask? CLEP testing is a way to help students earn college credit for what they already know, for the fraction of the cost of a college class. Now I say “fraction” because it’s definitely not free. There is a fee to take the test, and we also paid for a Study.com class to help prepare for the test as well. But considering the cost of a regular college class, it’s definitely a less expensive way to go. Last summer our daughter took the English CLEP test and tested out of that subject earning 3 college credit hours. You can do CLEP tests for a number of subjects, and if your student is comfortable with that route, it can be a great resources. You can learn more about CLEP testing on their website.

After this year, we may try to have her CLEP out of math as well. She is currently taking Shormann Pre-Calculus which is a CLEP preparatory class. Math isn’t typically her strong suit, but if she can test out that is one less class she’ll have to take in the future.

DUAL ENROLLMENT

Depending on your state, community colleges often offer free dual enrollment courses to homeschool students. Through these courses kids can receive dual enrollment credits meaning they get high school and college credit for the course at the same time. It’s a great way to take advantage of free credit hours, and speed up the college graduation process as well.

As of last semester, our senior completed 9 free credit hours her first semester, and she’s currently taking 15 more credits her second semester. We didn’t want to rush her into it, so we started her with less credits. But after doing so well, she’s decided to take more this semester. That means she’ll end her senior year with 24 college credits already under her belt. She also earned a small scholarship in one of her classes as well which took care of her book costs this year as well.

The combination of her 3 CLEP credits and her dual enrollment credits she will finish her senior year in high school with a total of 27 college credit hours. She is also considering doing one class this summer so she can finish with a full 30 hours.

In our state she can take another year of classes for free, so she’ll do what’s called a “5th year” consisting of all college classes. She plans to take another 30 credit hours next year. That means she’ll finish high school with 60 college credit hours. From there she will most likely transfer into a university here as a junior and then finish out her two years there to complete her bachelor’s degree. This path should save us about $60,000 in the end! Of course we know things can change, but that’s our current plan.

ONLINE CLASSES

There are so many online college options now as well! Those classes do tend to be less expensive and a bit more flexible too. Right now her dual enrollment classes are all online, but depending on what she needs for the future we may look at other online options as well.

I just suggest contacting your prospective college or university and see what transfer credits they are willing to accept. Our state universities have all of that information on their website, so you can see what you need to take, and what credits will transfer over directly. That way you can make sure that the classes you are taking will count for the proper degree.

ALTERNATIVE OPTIONS

Of course these are just a few options that are working for us, but there are so many other as well. There are Apprenticeships, Career Colleges, like culinary, fashion, and art, Internships, Military opportunities, online colleges, and more. Just remember, there are a lot of options and education can be traditional or alternative depending on what your student is interested in.

I highly suggest sitting down with your high schooler, discussing what they’re interested in, and then coming up with a game plan to get them started off on the right path to help them achieve their goals for the future, whatever that may be!

If you need more help check out my How to Homeschool High School eCourse!

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12th Grade Mid-Year Curriculum Review

12th grade mid year curriculum review

Hello friends! Well, we made it through our first semester of my daughter’s senior year! Honestly it went so well! She did a great job in her college dual enrollment classes and even won a $100 scholarship for her work in her graphic design course.

Since she’s doing dual enrollment, that means that her classes change at the semester mark, so I thought I would share what she’ll be doing for the 2nd semester of her senior year.

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She’s continuing with her Word of Life Challenger Quiet Time for Teens, and Pre-Calculus with Geometry by Shormann Math as those are both going well. I do think the Shormann does a decent job at college preparatory math, it is also a CLEP prep course, so we may have her take the math CLEP and see if she can test out of that at the end of the year. She’s already tested out of the English CLEP so she earned 3 credits that way which was nice.

For her second semester she’ll be doing Psychology 101, Art History 101, Photoshop I and II, Adobe Illustrator, and Business Marketing for Social Media. The last few classes are a lot of fun and go towards her degree in graphic design, the first two are just standard general education courses she’ll have to take either way.

She is just staring there second semester, so I’ll keep you posted, but I’m fairly confident she’ll be able to keep up with all of her courses and by the end of this year she will have 27 undergrad college credits accumulated! We’re discussing the possibility of her taking 1 summer course so she can get a full 30 credit hours this year, then next year she’ll do another year of dual enrollment so she can transfer into a university as a junior.

There are so many different options for higher education now, and while we don’t know if this is the right path for everyone, it’s working for us so far and hopefully we can get her a leg up on college and graduate with as little debt as possible!

Our 2020-2021 12th Grade Curriculum:

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Download a copy:

For more info, check out our 12th Grade Curriculum video!