You don’t necessarily have to go into debt to obtain a postsecondary education. As Carrington’s financial aid guide points out, both scholarships and grants don’t have to be repaid while federal student loans can be forgiven in some cases. Following is some helpful information about funding options that can help you study without taking on tens of thousands of dollars in debt.

Apply for Multiple Scholarships

Research requirements for various scholarships and apply to as many as you can. If you aren’t sure where to find scholarship options, talk to a college counselor or research which scholarships you may be eligible for online.

Apply for Grants

Perhaps contrary to popular misconception, you don’t have to be poor to get a grant. In fact, there is no income limit for those who want to apply for financial aid. Simply fill out a FAFSA form to see which state and federal grants you qualify for.

Research Student Loan Options

Federal student loans offer loan repayment and loan forgiveness options. For example, federal loans may be forgiven if you are a public service worker. Private lenders offer multiple loan plans and some provide loans with a lower interest rate than federal loans.

If you want to obtain a degree but have a limited budget, plan your education carefully. Apply for as many scholarships and grants as possible. If you are still short on funds, consider federal and private student loans to see which type of loan would be the best option for you.