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Mid-year Course Correction – originally posted Jan 8, 2022

It’s not too late to save money on your next semester. If you’re borrowing to go to college, you need to stop borrowing right now. Here’s an idea of how.

You probably have already signed up for classes for next semester. That’s OK; classes can still be dropped. If you have taken loan money to take those classes, consider dropping one or more classes to reduce the amount borrowed. Then get a part-time job to further reduce taking loan money. Even if your semester started this week, you can still probably drop a class to save some money.

If changing your class load won’t change what you are paying, you may still want to drop a class to take time to work. Studies show that college students who work less than half-time while in school tend to get better grades than those who don’t work at all.

You may not wind up following this idea, but it’s worth checking out. The worst thing that will happen is that you take a little longer to finish your degree. I took longer than normal on my degrees, still earned the degrees I needed, and did so without having any school debt at any of my graduations. You can do the same.

Check out my book for other ideas at You won’t regret implementing plans to reduce your school debt.

If you have any questions about what I’ve said, contact me at And please pass this on to anyone else you know who might need to hear it.

Thanks for reading. #SayNoToCollegeDebt, #SchoolLoans, #SchoolDebt,

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