06/22/2026
: "If you are a full-time student, find a part-time job, even if only 15-20 hours a week. Make conservative financial choices. Since this interest-free loan exists, do your best to make up the gap by working, spending wisely (thrift books for school, thrifting, discount groceries, etc.), and saving up to make payments as soon as you graduate (or even before you graduate). Delay your gratification; meaning our society tends to focus on “self-love” and “self-care” that tends to lean more towards materialism, societal approval, and Instagram success. However, if you can put that aside and fight against that urge to “fit in” you will end up saving your wallet the burden of trying to keep up with those lies. Work hard now, make the difficult choices now, so that you can enjoy the sweet fruits of your hard work in the future. As long as you put your mind to it and have people around you to support you, college and the expenses that come with it can be overcome. And remember that this is only for a season, this grind isn’t forever – but only if you work at it now. You can do it!" ~Faith I. ( Penn State University)