Let’s face it: school is expensive. Sometimes very expensive and that cost is still rising. In today’s economic climate (or perhaps, in any economic climate), not many people have thousands of spare dollars lying around to pay for higher education and not everyone qualifies for scholarships. Many people (myself included) have made it through higher education by eating lots of spaghetti, working part time at random jobs and accepting debt from student loans. However, this is not practical or workable for many life situations. When not used with caution, student loans can add up quickly and the results can be overwhelming.