7 Ways to Pay for College Without Your Parents’ Help for 2025

by Alex Hillsberg , MA

Student Finance & Loan Expert

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Navigating the financial challenges of higher education can be daunting, especially for students who cannot rely on parental support. This article offers practical and creative solutions to ease this burden. From scholarships and grants to work-study programs and alternative financial aid, this guide helps students take control of their educational journey and secure the funding they need. 

Key Things to Know About Paying for College Without Your Parents’ Help 

• Paying for college on your own helps you develop financial independence and responsibility. You learn how to budget, prioritize expenses, and manage debt effectively. 
• The U.S. government offers various financial aid options, including federal student loans, grants, and work-study programs. 
• If you need additional funding, consider personal loans from financial institutions. These loans often offer flexible repayment terms and interest rates.

Table of Contents

1. 7 Ways to Pay for College on Your Own
2. Are there available student loans without parents’ participation?
3. What are educational tax credits?
4. What is FAFSA?
5. How to Fill Out the FAFSA
6. What are the common reasons why parents refuse to fill out the FAFSA?
7. How to Determine Your Dependency Status for FAFSA Submission
8. Is it better to be independent or dependent on FAFSA?
9. How much do independent students get from FAFSA?
10. Dependent vs Independent Student: Who Gets More Money? 
11. Is an Accelerated Master's Degree a Smart Financial Move?
12. Are Short-Term Certification Programs a Viable Alternative to Traditional Degrees?
13. How Can Online Education Help Reduce College Costs?
14. Exploring Supplemental Funding Options for Non-Traditional Terms
15. Can Last-Minute Financial Emergencies be Managed with Student Loans?
16. Comparing Federal and Private Loan Strategies
17. Can Student Loans Cover Living Expenses?
18. Which Degree Programs Offer the Best Return on Investment?
19. How Can I Optimize My Student Loan Repayment Strategy Post-Graduation?
20. Is an Online Bachelor's Degree a Viable Cost-Effective Option?
21. Can Working Adults Access Affordable Education Without Parental Support?
22. Other Things You Should Know About Paying for College Without Your Parents Help

7 Ways to Pay for College on Your Own

Although planning and paying for college on your own may seem daunting at first, many students successfully do it. Here are seven ways to pay for college on your own, according to our experts:

1. Get a Part-time Job or a Side Hustle During College

Consider getting a part-time job, especially if you have time and want a steady source of income while in school. If you cannot find a job that fits your schedule, try side hustles like babysitting, dog walking, freelance writing, or web designing as potential income sources. A steady income can help with daily expenses. You can also use it to pay for tuition, and books, or reduce student loans while you are still in school. Our experts have curated a list of college tuition costs to help you compare and make informed decisions about your higher education options.

2. Consider the Right Type of College for You 

Your overall education cost will vary based on the type of school and program you choose. Understanding the typical expenses for different schools can help you decide which option best suits your goals and financial needs. The main school categories include:

• Private Colleges and Universities. These schools rely on tuition, fees, and private sources for funding. They typically offer undergraduate students a bachelor's (four-year) degree and may also offer associate (two-year) or advanced degrees. Private schools have a broad range of courses and often have lower enrollment compared to public universities.
• Public Universities. Funded by state governments, these schools offer several levels of degrees, including bachelor's, master's, and doctorate. Public universities are divided into colleges, such as the College of Business or the College of Education, offering a wide variety of academic classes. They are generally larger than liberal arts colleges and have larger class sizes.
• Community or Junior Colleges. These schools allow students to earn a degree or transfer in two years. They may offer an associate (two-year) degree, certificate, or diploma program and provide specialized occupational preparation. Community colleges are known for their small class sizes and individual attention, making them an affordable option for many students. Check out our blog to learn more about the average community college tuition.
• Business, Health Profession, and Technical Colleges. Specializing in training students for specific careers, these schools may offer several levels of degrees, including certificate, associate, bachelor's, master's, and doctorate. They provide specialized occupational preparation and have varying class sizes and program lengths depending on the major.

The chart below shows the average tuition at four-year institutions for the academic year 2020 to 2021. 

3. Use Your Savings and Income for College

Use your savings and current income to identify the funds you have available when paying for college. 

• Savings. Use the money you have been saving and determine the amount you feel comfortable using when paying for college. Make a habit of saving as much as possible from birthday and holiday gifts. While you may plan to use most of your own money, do not deplete your savings completely. Keep some savings for a rainy-day fund.
• Income. Create a budget and set aside a percentage of your income each pay period to increase your college savings over time. You can use online budget apps or a simple budget worksheet.

If you have not had savings yet, our experts can guide you on how to start saving for college. 

4. Apply for Scholarships and Grants

Scholarships and grants do not need to be repaid, unlike student loans. There is also no limit to how many scholarships and grants you can receive. Hence, it is good to apply for as many as possible. 

Some organizations that offer scholarships and grants include:

• Nonprofit organizations
• Local and national businesses
• Professional associations in your field

Make sure to apply for scholarships where you have a good chance of getting one. Note that most scholarships are highly competitive and are available for students who: 

• Have participated in volunteer work
• Plan to enter a specific program
• Have extreme financial need
• Are a certain ethnicity
• Show merit in a specific education area
• Have a higher-than-average Grade Point Average (GPA) 

5. Apply for Financial Aid

Apply for grants and federal work-study programs along with scholarships to help cover college costs like tuition, room and board, and books and supplies. Make sure to complete the Free Application for Federal Student Aid (FAFSA) to access these opportunities. 

6. Research Tuition Assistance Programs

Your employer might cover some or all of your education costs through a tuition assistance program that can help offset the cost of college. Ask your employer if they offer such programs. They may also provide funding if you can show how it would benefit them by enhancing your job skills. 

Members of the U.S. military can be eligible for assistance. Most military branches offer student loan repayment programs in exchange for a specific period of service. Additionally, qualifying veterans of active duty (or their family members) can receive college aid through the G.I. Bill.  

7. Consider Student Loans 

Student loans are a common option when paying for college. There are two types of student loans: federal and private. 

The government offers federal loans, which have specific benefits like income-based repayment options and public service forgiveness. Meanwhile, banks and financial institutions offer private loans, which depend on creditworthiness. 

When considering private loans, students should compare lenders based on factors like interest rates, fees, repayment options, and customer service. Although private loans can be a good choice for those who need additional funds after exhausting federal loans, the former requires a cosigner and has higher interest rates. 

In the United States, about 98% of families expect students to be at least partially responsible for repaying their student loans. Only 44% of students and parents discussed who would be responsible for repaying them. If your family has not considered this yet, our experts can help you begin the college planning process.

Are there available student loans without parents’ participation?

Below are the types of student loans available without parental participation:

• Direct Unsubsidized Loans. Your school’s financial aid administrator might offer you this loan once they determine that your parents will not financially support you or fill out the FAFSA. However, remember that you are responsible for all the accrued interest on an unsubsidized loan.
• Private Student Loans. You must be at least 18 years old and enrolled at an eligible school to apply for a student loan through a private lender. Although you do not need your parents’ participation, qualifying for a private loan can be difficult if you have poor credit.  If that is the case, make sure to apply with a creditworthy cosigner to increase your chances of approval.

Here is what students have to say about paying for college independently 

"Paying for college on my own has taught me invaluable lessons in financial responsibility and independence. Taking out a student loan allowed me to invest in my education without burdening my family, and the experience has made me more confident about managing my future finances." - Kathy

"Funding my education through a student loan gave me the freedom to pursue my dream degree without relying on my parents. The discipline I have gained from budgeting and working part-time has been life-changing, and I feel proud of the self-sufficiency I have developed." - Alaine

"Handling my college expenses through student loans has not only made me more financially savvy but also incredibly resilient. The sense of accomplishment I get from knowing I can support myself and my education is empowering, and it has prepared me for a successful career ahead."- Martel

What are educational tax credits?

If you are currently attending college, you may be eligible for one of two tax credits that can help offset the costs of higher education. 

The American Opportunity Tax Credit (AOTC) 

AOTC is available for the first four years of college and is worth up to $2,500. Students or their parents can claim this credit if eligible. The amount is based on the student's modified adjusted gross income (MAGI) and decreases as MAGI nears the income limits. The credit can offset the cost of qualified education expenses such as tuition, fees, and course materials.

To qualify for the AOTC, students must do the following:

• Pay eligible education expenses for themselves, their spouse, or a dependent
• Pursue a degree or other educational credential
• Be enrolled at least half-time and not have completed four years of school
• Ensure your MAGU does not exceed the stated limits 

The credit is refundable, meaning if the credit brings the tax owed to zero, the student can receive a refund of up to $1,000. 

To claim the AOTC, students must file Form 8863 with their federal 1040 income tax return. They will need information from their Form 1098-T Tuition Statement, which their college should send by January 31st. Students must also calculate the credit correctly, as incorrect claims can result in penalties and a ban on claiming the credit for two to ten years.

The Lifetime Learning Credit (LLC) 

LLC is a tax credit for students pursuing graduate school or professional courses. Unlike the AOTC, the LLC has no limit on the number of years it can be claimed. The maximum amount that can be claimed for the LLC is $2,000 per tax return, regardless of the actual amount of tuition and education-related expenses paid.

To qualify for the LLC, students must do the following:

• Be enrolled in graduate school
• Take courses to improve job skills
• Ensure that their modified adjusted gross income is within the income limits

Eligible expenses include tuition, fees required to enroll, and fees required to attend college. The LLC is not refundable, meaning that even if it reduces the tax obligation to zero, no refund will be given.

To claim the LLC, students must complete and file Form 8863 with their federal tax return, using information from their Form 1098-T. The process is the same as for claiming the AOTC. However, students cannot claim both the AOTC and the LLC in the same tax year for the same student.

What is FAFSA?

The Free Application for Federal Student Aid or FAFSA is a form completed by current and prospective college students to determine their eligibility for federal, state, and institutional financial aid. It is the primary application for securing federal financial aid to cover college expenses. The U.S. Department of Education uses the FAFSA to determine a student's eligibility for grants, work-study, and loans. Additionally, states and colleges use it to award their financial aid packages. For the academic year 2022-2023, about 71% of families completed the FAFSA. 

How to Fill Out the FAFSA

To complete the FAFSA, you will need to follow these steps:

• Set up an FSA ID. Create a Federal Student Aid (FSA) ID to sign the FAFSA electronically. You will need your Social Security number, mobile phone number, and email address. If you are a dependent student, your parent will also need to create their own FSA ID.
• Gather your documents. Collect your personal and financial information, such as your Social Security number and most recent tax return, as well as the names of the schools you would like to receive your results. Dependent students will also need to provide their parent’s financial information.
• Fill out the FAFSA. Complete the FAFSA at StudentAid.gov. Once finished, sign and submit the form. Your information will be sent to the schools you listed.
• Get your financial aid award letter. Your school will send you a financial aid award letter detailing the federal student loans and other financial aid you qualify for. You can then choose which aid to accept.

What are the common reasons why parents refuse to fill out the FAFSA?  

Here are some common reasons why parents might refuse to fill out the FAFSA and ways to address their concerns:

• Divorce. Parents going through a difficult divorce might hesitate to provide their information for the FAFSA as they may fear the other spouse will learn about their financial situation. So inform them that the Family Educational Rights and Privacy Act (FERPA) protects their information. The financial aid office will also not disclose their details to the other spouse. However, a court order can compel the school to release this information for divorce proceedings. In such cases, the school will alert the affected parent and give them a chance to contest the order.
• Stepparents. Stepparents might be reluctant to provide financial information on the FAFSA due to privacy concerns or worries about being obligated to pay for their education. They might also think the government will not consider their assets and income. Inform them that the government does consider stepparents’ information, but this does not obligate them to support you financially. Also, filling out the FAFSA could provide you with need-based financial aid, which you will not have access to without the form.
• Privacy Concerns. Some parents worry about sharing their financial information with a third party. Reassure them that their information is confidential and protected by encryption when submitting the FAFSA online. Once the school’s financial aid office receives the information, it becomes part of your student records and is protected by the FERPA. This means the school will not disclose your parent’s information to you or anyone else.

How to Determine Your Dependency Status for FAFSA Submission

Dependent students are assumed to receive support from their parents, while independent students are assumed to support themselves. Your dependency status is crucial because it determines the information you include on the FAFSA.

If you are a dependent student, you must report both your information and your parents' information. If you are an independent student, you only report your information (and your spouse's, if you are married). According to 2021-22 FAFSA data, independent students make up 53% of all FAFSA completions for both undergraduate and graduate students. However, most undergraduate applicants are typically dependent.

Is it better to be independent or dependent on FAFSA?

Independent students are eligible for more federal financial aid than dependent students. If you qualify as independent, it is beneficial to file the FAFSA under that status. 

When filling out the FAFSA for the 2024-25 school year, you are considered an independent student if any of the following apply:

• An emancipated minor 
• An unaccompanied youth who is homeless or at risk of being homeless 
• A veteran 
• Born before January 1, 2001 
• Currently serving on active duty in the U.S. armed forces 
• Have children or other dependents who receive at least half of their financial support from you 
• Have spent time in foster care or as a ward of the court 
• Married 
• Parents are deceased 
• Working on a master’s or doctorate 

How much do independent students get from FAFSA? 

Independent undergraduates can borrow up to $57,500, with a maximum of $23,000 in subsidized loans. Meanwhile, graduate independent students can borrow up to $138,500, with a maximum of $65,000 in subsidized loans. Note that the graduate loan limit includes all federal loans from undergraduate studies.

Dependent vs Independent Student: Who Gets More Money? 

Your Expected Family Contribution (EFC), the school’s cost of attendance, your full-time or part-time status, and your year in school determine the amount of aid you receive. An independent student’s EFC is calculated using their financial information and that of their spouse. Often, independent students have a lower EFC than dependent students, which can result in more financial aid.

Is an Accelerated Master's Degree a Smart Financial Move?

Accelerated master’s programs offer a streamlined pathway toward advanced education by reducing time-to-degree and potentially lowering overall debt. Such programs, when chosen strategically, can lead to earlier entry into higher-paying roles and a faster transition into leadership positions. By focusing on intensive coursework and leveraging relevant professional experiences, students can achieve a competitive edge in the job market. For those seeking to maximize both time and financial investment, exploring options like the fastest master's degree can be instrumental in aligning educational pursuits with long-term career objectives.

Are Short-Term Certification Programs a Viable Alternative to Traditional Degrees?

Research indicates that short-term certificate programs can offer an expedited pathway to entering the workforce with competitive earnings while minimizing debt exposure. Such programs often require significantly less time and investment compared to traditional degrees, aligning with the objective of reducing financial strain. For instance, prospective students may consider exploring 3-month certificate programs that pay well to gain industry-specific skills that meet current labor market demands without prolonged academic commitments. This approach enables faster career entry and immediate application of practical skills, which can lead to sustainable income and improved long-term financial stability.

How Can Online Education Help Reduce College Costs?

Online education offers flexible learning environments that can significantly lower tuition fees and related expenses by reducing or eliminating costs associated with campus housing, commuting, and on-campus fees. This approach not only allows independent students to manage their budgets more effectively but also provides accelerated program options and diversified learning modalities. Leveraging these alternatives can contribute to long-term debt reduction while maintaining academic quality. For further exploration, consider researching accredited online colleges that accept FAFSA to identify cost-effective programs.

Exploring Supplemental Funding Options for Non-Traditional Terms

For students who wish to enroll in summer classes or other non-traditional academic terms, financial aid options may appear more limited. Federal financial aid, including grants and loans, often aligns with traditional academic calendars, leaving some students searching for additional resources to fund these off-cycle terms. This is where exploring opportunities such as private loans becomes invaluable.

Private student loans can serve as a flexible financial solution, particularly for covering college expenses that federal aid does not extend to, such as summer sessions. These loans are offered by private financial institutions and typically require a co-signer for students with limited credit history. However, they provide the advantage of helping students stay on track with their educational goals without gaps in enrollment. When considering such options, it is essential to compare lenders on factors such as interest rates, repayment terms, and borrower benefits. For an optimized selection process, research guides like this one on private student loans for summer classes can help students identify the best loan solutions tailored to their specific needs.

By incorporating these supplemental funding strategies, students can maintain consistent academic progress without relying on traditional financial aid schedules. Planning ahead and understanding these additional resources can foster financial independence and facilitate year-round learning opportunities.

Can Last-Minute Financial Emergencies be Managed with Student Loans?

When unexpected expenses arise close to enrollment or during a term, evaluating expedited funding options becomes crucial. Assessing eligibility criteria, understanding interest implications, and confirming repayment terms can prevent additional financial strain in urgent situations. In such cases, students may explore reliable alternatives to bridge funding gaps without disrupting long-term repayment plans. For immediate financial relief, consider leveraging quick student loans to secure prompt assistance and maintain steady academic progression.

Comparing Federal and Private Loan Strategies

When assessing financial aid options, it is crucial to evaluate the differences between federal and private loan structures, particularly when considering long-term repayment obligations and flexibility. Federal student loans, backed by the government, typically offer advantages such as income-driven repayment plans, fixed interest rates, and opportunities for loan forgiveness programs through public service.

Conversely, private student loans may cater to students who have exhausted federal aid or need additional funding. These loans are issued by private lenders, such as banks and credit unions, and often include variable interest rates or terms based on the borrower's or co-signer’s credit profile. Students should prioritize comparing options to align their financial commitments with their career trajectory and anticipated income.

Prospective private loan borrowers may opt for a fixed rate student loan, which can provide stability in repayments by locking in an interest rate that does not fluctuate over time. This predictability is beneficial for budgeting, particularly when market conditions create uncertainty around variable rates.

Taking the time to analyze these distinctions allows students to build a strategic approach to financing their education while minimizing financial stress post-graduation.

Can Student Loans Cover Living Expenses?

When determining your overall college budget, it is essential to evaluate whether your student loans will adequately cover essential living expenses. Many federal loan packages account for room, board, and other daily expenses as part of the cost of attendance; however, the allocation can differ greatly based on school policies and individual circumstances. Thoughtful budgeting and a clear understanding of how these funds are applied can mitigate shortfalls in your monthly financial planning. For further insights into how student loans can address costs beyond tuition, refer to the detailed resource on student loan living costs.

Which Degree Programs Offer the Best Return on Investment?

Selecting a program with a strong earnings potential and manageable academic demands can reduce long-term financial pressures. Evaluating key factors such as program duration, tuition costs, and post-graduation salary benchmarks helps ensure that your educational investment supports future financial stability. For a comparative perspective on programs that are both accessible and lucrative, refer to the resource on easy degrees that pay well.

How Can I Optimize My Student Loan Repayment Strategy Post-Graduation?

To ensure long-term financial stability, assess repayment options by comparing fixed versus income-driven plans and exploring consolidation or refinancing where appropriate. Develop a detailed budget that accounts for variable expenses, and monitor your monthly cash flow to avoid missed payments. Utilize digital tools and financial counseling services for personalized guidance on balancing debt with other financial goals. Additionally, research opportunities such as the best student loans for living expenses to maintain a comprehensive view of your post-college financial strategy.

Is an Online Bachelor's Degree a Viable Cost-Effective Option?

Online learning can offer a compelling alternative for students managing education costs independently. By reducing expenses related to campus housing, commuting, and in-person fees, online programs often present a more affordable pathway without sacrificing academic quality. Furthermore, flexible scheduling enables students to pursue part-time work or internships while continuing their studies, thereby supporting financial independence. Leveraging resources such as online bachelor's degree cheap can provide detailed insights into program affordability and help align educational choices with long-term career goals.

Can Working Adults Access Affordable Education Without Parental Support?

Working adults seeking higher education can leverage flexible program structures and financial strategies tailored to their unique needs. Many institutions offer part-time and online programs designed to balance work and study commitments while providing manageable tuition rates and lower associated costs. Evaluating program structures, scheduling flexibility, and available financial support can help working adults maintain steady income and control debt levels. For example, exploring cheap online colleges for working adults can reveal options that accommodate busy schedules without compromising education quality or long-term career growth.

Key Findings

• Students have various ways to fund their education, including scholarships, grants, work-study programs, and alternative financial aids, all aimed at minimizing reliance on parental support. 
• The average tuition for a four-year public university is approximately $10,560 per year for in-state students, compared to $37,650 per year for private colleges.
• Applying for multiple scholarships and grants is crucial since these do not need to be repaid. A 2023 report stated that scholarships and grants covered 29% of college costs.
•  Independent students can borrow up to $57,500 for undergraduate studies and $138,500 for graduate studies.
• Educational tax credits like the American Opportunity Tax Credit (AOTC) and Lifetime Learning Credit (LLC) can help offset higher education costs. The AOTC provides up to $2,500 annually for the first four years of college, while the LLC offers up to $2,000 per tax return without a year limit.
• To apply for a student loan through a private lender, you must be at least 18 years old and enrolled at an eligible school.
• According to 2021-22 FAFSA data, independent students completed 53% of all FAFSA applications for both undergraduate and graduate programs.

Other Things You Should Know About Paying for College Without Your Parents’ Help 

How do I pay for college in the U.S. as an international student? 

College cost by country varies. As an international student, you have several options to pay for college in the United States. You can explore financial aid from your country. Many private scholarships and institutional aids are also available, with schools like American University, University of Oregon, and Princeton University offering scholarships for international students. Additionally, you can work up to 20 hours a week on campus with an F-1 visa and apply for Curricular Practical Training (CPT) for off-campus internships.

How do people afford college in the U.S.A.?

A 2023 report by Sallie Mae found that the share of college costs paid by each funding source in the U.S. was 50% from family income and savings, 29% from scholarships and grants, 19% from borrowing, and 2% from relatives and friends.

How expensive is college in the U.S.?