Paying for college can feel like a big financial puzzle, but there are plenty of ways to make the cost more manageable. From completing the FAFSA to making smarter spending choices, small decisions can add up to big savings. In a recent episode of Countdown2College, Gage asked EducationQuest Director of College Access Kristin Ageton for answers to 7 key questions that can help students and families make smart choices and pay less for college.

1. Why should I complete the FAFSA?

Even if you think you won’t qualify for financial aid, completing the FAFSA is still worth your time. Kristin explains that it can open the door to grants, work-study, scholarships, and federal loans. Some scholarships also require completion of the FAFSA, and federal student loans typically offer lower interest rates and better repayment terms than private loans.

2. Where should I look for scholarships and grants?

There isn’t one place where every scholarship can be found, so search in several places. Start with your college’s financial aid office and high school counseling office, especially for local opportunities. EducationQuest’s ScholarshipQuest is a great place to find Nebraska-based scholarships. National scholarship websites offer additional options but are more competitive. Remember, you should never have to pay to search or apply for scholarships.

3. How can a 529 plan help my family save?

A 529 plan is an investment account designed to help families save for education expenses. Money contributed can be invested and will grow over time. Nebraska residents may also qualify for state income tax benefits when contributing to the state’s NEST 529 plan. There’s no minimum deposit amount, so even small contributions can help build college savings.

4. How can I compare the cost of different colleges?

The college with the lowest advertised price isn’t always the one that will cost you the least. Net price calculators, the U.S. Department of Education’s College Scorecard, and EducationQuest’s Nebraska College Cost Chart can help you compare costs. Once financial aid offers arrive, look closely at what’s being offered in the form of grants, scholarships, work-study, loans, and what you’ll need to cover another way. If something doesn’t make sense, contact the college’s financial aid office.

5. What college expenses should I plan for?

Tuition, food, and housing may be the biggest expense on your mind, but it’s not the only one. Kristin recommends planning for smaller costs that will add up throughout the semester, including:

• Books and school supplies.
• Transportation, gas, and parking.
• Toiletries, laundry, and personal items.
• Snacks, meals, and eating out.
• Entertainment and activities.
• Unexpected or emergency expenses.

6. Should I work while I’m in college?

A part-time job can help cover everyday expenses and reduce how much you need to borrow, but balance is important. Look for an employer who understands that you’re a student first and will offer flexibility during busy times. An on-campus job can reduce transportation time and expenses. Use a planner or phone calendar to organize classes, studying, work shifts, downtime, and sleep.

7. How can I spend less once I’m on campus?

You don’t have to miss out on college life to save money. Look for used or rental textbooks, use campus transportation, bring snacks and a reusable water bottle, and make the most of your meal plan. Take advantage of campus events already covered through tuition and fees, as well. A few thoughtful choices can help stretch your budget while still letting you enjoy college.

One easy money mistake is losing track of where your money is going. Small purchases can add up quickly, and accepting more student loans than you need can mean additional debt after graduation. Pay attention to your spending, understand how much you’re borrowing, and think before making purchases. Your future budget will appreciate it.

What if paying for college still feels overwhelming?

You don’t have to figure out every financial decision by yourself. Kristin recommends building a support team of trusted parents, guardians, family members, or mentors who are comfortable talking about money. You can also turn to your college’s financial aid office or schedule a free appointment with a college planning specialist at EducationQuest for guidance. Asking questions and exploring your options can help you create a college payment plan that works for you.