It is never too early to start saving money for college. This is something you may have heard from your parents or grandparents at some time or another. Obtaining a four-year degree from a university is typically encouraged these days. In fact, it is your best bet for getting a decent job as an adult. Unfortunately most people do not get started saving money for college. Instead, they end up working while they are in school. This can get difficult at times. Especially since most students are busy with schoolwork. It can be a real challenge going to school and working at the same time. You have much less time to devote to schoolwork when this is the case. There are other options when it comes to paying for a college education. If you did not begin saving money for college early enough, you may be short on funds. In this case, you need to find a different way to pay for your higher level of education. One way is obviously by working. However, there are other ways as well. You can apply for student loans. This is actually one of the most common ways people pay for their schooling. If you consider that the average university will cost you about 17-18 thousand dollars a year, this is a lot of money to come up with. In fact, most people need some assistance getting this kind of funding for their education. When you apply for student loans, you are typically trying to get the most you can for your college expenses. Unfortunately this does not mean you will receive every penny you need. This is why saving money for college certainly pays off down the road. Regardless, you can often get enough in student loan money to pay for your college and textbooks, as well as your rent and/or food expenses. It just depends on what you qualify for and how much you need. Another option for funding when dealing with college is financial aid in the form of grants. Grants are money that you do not have to pay back at all. There are both federal and state grants you can apply for. Do not fret if you have not started saving money for college yet. Just go ahead and begin putting some extra cash aside. It is wise to make an actual account just for this. As you continually put money aside, you will watch it grow. Even if you only save for one year, this college funding can really add up quickly. On a final note, never overlook scholarships and grant money. This emphasized because it is free aid for schooling that does not accrue interest and does not have to be paid back to anyone. The more grant money you can get for school, the better off you will be financially in the long run.