College has become the default next step for high school graduates, whether or not they have a career in mind. But with rising tuition costs, ballooning student debt and plenty of good jobs that don’t require a bachelor’s degree, it’s worth exploring all your options before enrolling in classes or designing your dorm room.
Here are four other ways to get a higher education that may cost less than a state university or liberal arts college.
1. Community college
- Also known as: Junior or two-year college
- Typical length: One or two years
- Credentials: Associate degree or certificate
Community colleges are local, typically public schools with two main paths for students: transfer preparation and career training. The transfer route is for students who eventually want to earn a bachelor’s degree or higher at another college or university; classes in this track are academic in nature. The career training route is for students who want to enter the workforce immediately after graduation; these classes typically teach specific skills that you can apply on the job.
Whichever route you choose, have a goal and plan in mind. If you’re planning to transfer, communicate with your advisor regularly to ensure that the credits you’re earning will transfer correctly. If you’re preparing for a specific career, make sure you can earn the credential needed for that field.
- Also known as: Job-based learning
- Typical length: One to six years
- Credentials: Nationally recognized industry certification
Apprenticeships are paid career-training programs where students learn on the job in addition to some classroom instruction. Apprentices work full-time jobs with wages starting around $15 an hour and increasing as their skills grow. Fields offering apprenticeships include construction trades, manufacturing, health care, finance, telecommunications and transportation.
There are currently about 500,000 apprentices in the U.S., according to the U.S. Labor Department — a small number compared with the more than 20 million students enrolled in U.S. colleges and universities in fall 2017, according to the National Center for Education Statistics. There’s bipartisan and private-sector support for expanding apprenticeships but since the number of apprenticeships is limited, they can be competitive to get and there may be a waitlist.
3. Trade school
- Also known as: Technical, career or vocational school
- Typical length: One to two years, or less
- Credentials: Certificate
Trade schools are typically private schools — many are for-profit — that prepare students to enter a particular career directly after completing training. Many community colleges have similar, and likely more affordable, programs. Trade schools are available in fields including welding, auto mechanics, and heating, ventilation and air conditioning (HVAC).
Take extra care to research trade schools before enrolling. For-profit schools tend to be more expensive, requiring students to take on more debt, and lead to poorer outcomes compared with public or not-for-profit schools. Look for a school that’s accredited for federal financial aid programs, and use the Department of Education’s College Scorecard to compare schools’ typical costs, graduation rates and median salary of former students.
» MORE: 6 ways to weed out shady schools
4. Online college
- Also known as: Distance learning, massive open online courses (MOOCs)
- Typical length: Varies by the credential you’re pursuing
- Credentials: Certificate, or associate, bachelor’s or master’s degree
Doing college online can give you the flexibility to learn on your own schedule and pace, as long as you’re self-motivated enough to keep up with the work. It can be a good option for parents, full-time workers and students with disabilities.
Some schools offer only online classes, while many brick-and-mortar colleges host online courses in addition to in-person ones. Depending on your school’s offerings, and your location and preference, you can take all your classes online, or take some online and some in-person. Either way, research the school carefully before enrolling to make sure it’s affordable, properly accredited and has a track record of preparing students for success after graduation.
These are by no means the only college alternatives. You can also enlist in the military, start a business or, to gain experience and earn money while learning what you enjoy and are good at, get an entry-level job.
How to pay for it
If you decide to pursue higher education — whether at a four-year college or university, community college or trade school — be smart about paying for it. The first step is submitting the Free Application for Federal Student Aid, known as the FAFSA, to see what federal grants, work-study and student loans you qualify for.
If you have to take out student loans, exhaust your federal options before borrowing private student loans, because federal loans have more borrower protections.