Graduate Without Breaking Your Bank


  • Know what you want to study!
  • Keep in touch with your Academic Advisor and Financial Counselor.
  • Only borrow what you absolutely need and keep track of it!
  • Some grants require that you keep a minimum GPA; so start studying.
  • Apply for endowed scholarships.
  • Repeating a class for a better grade will end up costing you twice the price.
  • Try not to drop classes after the refund point.
    • 1st week = 100% refund
    • 2nd week = 70% refund
    • 3rd week = 60% refund
    • 4th week = 50% refund
  • Get a summer job to help make the school year less stressful financially.



Here are some easy ways to save when you get hungry:


  • Trying to eat on 12 cents? Two words: Ramen Noodles.
  • Kick the bottled water habit.
  • Yogurt, cottage cheese, string cheese, bagels, and peanut butter are all affordable, convenient and much more healthy than a late night burger and fries.
  • USE your meal plan.
  • As tedious as it might be, CLIP COUPONS! You’ll save a bundle.
  • Stop dining out.
  • Cook with friends.
  • Buy generic brands, they are just as good as name brands.
  • Pack your lunch for work.
  • Bring your own snacks/drinks to avoid vending machines when going to work and running errands. 
  • If you do have to go out for a meal, it never hurts to ask if they offer a student discount. You could save 10% just by showing your server your SEMO I.D.



Here are some ways to save money and still have fun:

  • Shop at places with student discounts
  • Join a club or an intramural sports team.
  • Start a book club.
  • Turn your hobby of photography, computer skills, music, etc, into a side job.
  • Walk, rollerblade or skateboard! It will keep you entertained and it’s good for you.
  • Go see a matinee, or hit up the next Midnight Movie.
  • Learn how to buy clothes at consignment stores. You’re likely to find a lot of “gently used” name brand products.
  • Volunteer at the local soup kitchen or youth center.
  • Turn in your old CDs/DVDs for credit, and get new ones.
  • Browse the internet; it’s free and never ending!

Extra Costs


Here are a few ways to save on life's essentials while living on a college budget:

  • Save on gas by: carpooling, walking, or riding a bike.
  • Choose either a landline or a cell phone; not both.
  • If living off-campus, have roommates to help split the rent.
  • Turn ceiling and portable fans off when leaving the room.
  • Save money on bills by keeping the A/C or heat turned down or off if possible.
  • When buying cleaning products, consider going to the dollar store
  • Recycle for the environment, Reuse as much as you can, and Reduce the amount of waste you produce.
  • Turn the light off when leaving a room, or use natural sunlight as long as you can.
  • Hand-me-downs are not a bad thing when trying to furnish your living area.
  • Avoid late fees by paying your bills on time!
  • Get a job!