How to Graduate College Without Debt – Ep 112

We talk a lot about paying off debt and most of the time that debt includes student loans but what about just not getting into student loan debt? Is that even possible? We think, now more than ever, it is. College is changing and today we’re talking about how you can adapt and graduate college without debt.


  • YOUR AD HERE: As if it wasn’t hard enough to source our own sponsors, now the world has fallen apart and there are no ad budgets for podcasts. While we look for our next sponsor here’s how you can financially support us without giving us your money.
    • 1st is to buy a discounted gift card from Raise. Raise sells gift cards at a discounted price to all kinds of places. Find a store you’d shop at anyways and you can save money right off the top by using a discounted gift card to purchase it! When you use our referral link: you’ll get $5 to spend and we will too!
    • Sign up for Rakuten and spend $25 at any online store they offer cash back at. Sign up at and download the chrome extension to see every time Rakuten offers cash back at a store. When you spend $25 through rakuten you earn $10 CASH MONEY! So that’s one way you can help us without spending any money beyond what you’ve already budgeted for.
  • Seniors: We want to thank all the recently graduated seniors for sponsoring this show – you pooled together your dimes and nickels and really came through for us! BUT TODAY we want to celebrate YOU! Congratulations on your hard work and effort and completing an important chapter of your lives – whether you just finished high school or college you had many more obstacles than most in the final stretch of your race. We see you! Thanks for the sponsorship 😉

Notable Notes:

What the Internet has to say:

  • This article from Good Call gives us 4 ways to get our college degree without taking on loans or going into debt!

What Jen + Jill have to day:

  • Find money (grants, scholarships, military funding, crowd funding, employee tuition reimbursement)
  • Lower tuition costs (AP classes/dual enrollment in H.S., maximize classes taken each semester, community college!)
  • Make money – look for flexible, reasonable hours, desired experience
  • Reduce expenses – (car, rent, food, books)

More from the Internet:

  • This article from Learn provides a list of 10 reasons to consider attending college online!

More from Jen + Jill:

  • No wake up fees
  • Lower tuition
  • No commute!
  • No lost wages (i.e. maximizes time – all time on school can go to graded assignments – more time to work)
  • Potential lower tuition

BILL OF THE WEEK – Thank you Kelly for sharing your bill with us about how you saved money on your menstrual cycle

Lightning Round 

Biggest waste of money in college and where we’re glad we saved:

  • Jen- Not using my full scholarship
  • Jill- going out of state – living on campus
  • Jen- Living off campus
  • Jill- books savings and school online


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Thanks for listening! See you next week!

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