Community Colleges and the Dangers of Student Loan Debt

For high school students who are on the hunt for ways to reduce the cost of a college education, your local community college may look like a way to keep your expenses down and avoid the crush of debt from school loans.

In fact, many financial advisers recommend that, if you're a cost-conscious student, you complete your first two years at a community college before
transferring to a four-year university to receive your degree, as a way of cutting college costs by as much as half and minimizing your need for college loans.

Community colleges almost universally have annual tuition rates well below those of four-year colleges and universities, so at first blush, the two-year route may seem like a natural choice in terms of cost management and college loan debt relief.

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