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Worked, joined the Army Reserve and used the GI bill, and lived frugally. Also took out loans.
What kinda sucked was that my parents made too much money for me to get the "free" money-- grants, interest-free loans, etc. but they weren't GIVING me any of that money. There should be a spot on the fin aid application where they ask if you're actually GETTING any of the money your parents are making.
Anyway, I graduate in August with only about 15k of debt, so I guess that's not TOO bad, considering what it could be. My lifestyle helped to keep the costs down. I drive a 10 year-old fuel efficient Saturn that I bought used, I don't waste a lot of money on things like eating out, and I don't go through clothes that quickly. I have had some of my shirts for 5 or 6 years. It's amazing how cheaply you can live if you're willing to make a few sacrifices.
Funny thing is, once I graduate and start making real money, I expect to accumulate a substantial nest egg quite quickly because I'm now USED to living like this. I don't plan on buying a new car until this one falls apart (150k miles on it now-- I bet I can get it to 200), and I have gotten to where I wouldn't go out to eat even if I had the money because I see it as a waste.
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Lurking since 2008
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