Is it even possible to attend an in-state university without taking out student loans if you’re not wealthy? It might sound unrealistic, but I’m wondering if applying for scholarships and grants can make it feasible. My mom is strongly against student loans, but I really want to attend this university. Any tips for the 2025-26 academic year?
Also, where would you recommend looking for grants and scholarships?
I never thought I could afford a four-year degree given the high cost of education in the USA, but I made it work. One option is to attend a community college for the first two years and then transfer to a four-year university. Many universities offer scholarships specifically for transfer students. You can also make applying for scholarships a part-time job—be strategic and target scholarships that align with your background (e.g., race/ethnicity, religion, major, county/state). Personally, I attended a state school and, thanks to low income and scholarships, I didn’t have to pay anything out of pocket. Now, the only loan I have is for my car! 
When I attended community college, FAFSA covered everything, and I even received eRefunds. I’ve recently transferred to an out-of-state university that doesn’t have additional fees because it’s a partner with my previous school. This partnership included a scholarship that, combined with my Pell Grants, provides me with an extra $8,000 each semester. So yes, it’s possible to get through an out-of-state university without student loans. In-state, I’m still figuring that part out.
Yes, you can! If you’re below a certain income level and a first-generation student, you can apply for the EOF program along with FAFSA, which should cover your expenses. EOF also covers your college housing, including dorms. Hope this helps! 
If your parents’ income is below a certain threshold, FAFSA will provide significant support. Alternatively, once you turn 24, FAFSA allows you to apply independently of your parents. I used this option, and my tuition at a state university was only $300–$400 per semester as a full-time student.
I recommend buying a scholarship book from Amazon; it’s about $30. I dedicated time to applying for every scholarship I was eligible for and ended up securing nearly $15,000 during the spring and summer. If you approach it seriously, you can definitely secure funds for school. Good luck!