Early Career v College

Deciding between going to college or starting early in a career is a personal choice that depends on various factors, including your goals, interests, and circumstances. Here are a few points to consider when making this decision:

Career Goals: 

Evaluate your long-term career aspirations. Certain professions, such as medicine, engineering, or law, often require specific degrees or advanced education.

If your desired career path necessitates a college degree, attending college may be the best option. In other industries, experience and skills gained through early entry into the workforce may be more valued. Starting early in a career allows you to gain practical experience and exposure to different industries and job roles.

This firsthand experience can help you understand various work environments and clarify your interests and preferences all while getting paid, and not taking out unnecessary loans that will have to be repaid.

Skill Development:

Consider the skills and knowledge you need to succeed in your chosen field. College can provide a structured environment for learning and developing a broad range of skills, including critical thinking, problem-solving, and communication, which can be valuable in many careers.

Early career experiences can provide opportunities to develop valuable skills relevant to the job market. By actively working and learning on the job, you can enhance your skills in areas such as problem-solving, communication, teamwork, and adaptability.

Networking and Connections:

College offers opportunities to build a network of peers, professors, and alumni, which can be beneficial for future job prospects and professional growth. The connections you make during your college years can open doors to internships, job opportunities, and mentorship.

Through early career opportunities, you can connect with industry professionals, mentors, and colleagues who can provide guidance, advice, and potential career pathways.

Credentials and Job Market:

Research the job market in your desired field. Some industries may place more value on a college degree, while others prioritize work experience and practical skills. Analyze job postings and industry trends to gauge whether a degree or early entry into the workforce is more advantageous.

Financial Considerations:

College education can be expensive, and student loans may be necessary to finance your studies. Evaluate your financial situation and weigh the potential return on investment of a college degree versus entering the workforce earlier.

Consider scholarships, grants, and part-time work opportunities that can help alleviate the financial burden of college. Entering the workforce early can provide immediate income and financial independence. It may also allow you to avoid or minimize student loan debt associated with attending college.

Flexibility and Exploration:

Starting early in a career offers flexibility to try out different roles and industries. You can experiment with various jobs, gaining exposure to different work environments and gaining insight into your strengths and interests. Whereas in College, your flexibility is limited, and can incur extra costs and more time to explore different areas and career fields.

Lifelong Learning:

It's important to note that education and career development are not limited to a specific timeframe. Even if you start early in a career, you can continue learning through professional development programs, certifications, online courses, and other learning opportunities throughout your life. Once you find a career that interests you, you can always seek college education to further your career.

It's important to remember that there isn't a one-size-fits-all approach. Each person's circumstances and goals are unique. You may also consider alternatives like trade schools, vocational programs, or online education that provide specialized training for specific careers.

Ultimately, the decision should align with your long-term goals, personal preferences, and a realistic assessment of the opportunities available in your chosen field. The decision is yours and yours alone, other people may suggest what might be best for you, though ultimately you're the one that is financially liable to repay any loans taken out, and the time taken to pursue this education.

Trade Schools

Trade schools, also known as vocational schools or career colleges, are educational institutions that focus on providing hands-on training and practical skills for specific careers or trades. These schools offer programs that are designed to prepare students for entry-level positions in a particular field. Here are some key aspects of trade schools:

Career-Focused Education:

Trade schools offer specialized training in various industries such as automotive technology, cosmetology, culinary arts, HVAC (heating, ventilation, and air conditioning), construction trades such as welder, plumber, electricians, healthcare professions, and more. The programs are designed to provide practical skills and knowledge directly applicable to the chosen career.

Shorter Duration:

Trade school programs are typically shorter in duration compared to traditional four-year college degrees. Most programs can be completed in months or a couple of years, allowing students to enter the workforce more quickly.

Hands-On Training:

Trade schools prioritize practical, hands-on learning experiences. Students often spend a significant amount of time in workshops, labs, or simulated work environments to gain real-world skills and expertise.

Industry-Relevant Curriculum:

Trade school programs focus on teaching the skills and knowledge directly applicable to the chosen field. The curriculum is designed to meet the demands of the industry and may include coursework, apprenticeships, internships, or externships that provide practical experience.

Career Placement Assistance:

Many trade schools offer career placement services or partnerships with local employers. They may assist students in finding job opportunities, connecting with employers, and preparing for interviews and job applications.


Trade school programs are often more affordable compared to traditional college degrees. This is because the duration of the programs is shorter, reducing overall tuition and living expenses.  Apart from this, some trade schools offer apprenticeship programs, where you can get paid to learn and with this, your pay increases the closer you get to graduating.  

Licensing and Certification:

In certain fields, trade schools prepare students for licensing or certification exams required to practice their profession. These credentials can enhance employment opportunities and demonstrate competency to employers.

Trade schools can be a viable option for individuals who have a clear career goal and prefer a more focused and practical approach to education. They provide an alternative path for those who want to enter the workforce sooner and acquire specific skills necessary for a particular trade or industry.

However, it's important to research the reputation, accreditation, and job placement rates of trade schools to ensure the quality of education and opportunities available

online education

Online Education and Courses

Online education refers to various forms of learning and skill development that are delivered through digital platforms or online courses. These educational opportunities can help individuals acquire new knowledge, develop skills, and enhance their expertise in specific areas. Here are a few examples of online education outside of the traditional college setting:

Online Courses and Certifications:

Many online platforms offer courses and certifications in various subjects. These courses cover a wide range of topics, from programming and digital marketing to language learning and personal development. They are often self-paced, allowing individuals to learn at their own convenience.

Massive Open Online Courses (MOOCs):

MOOCs are online courses provided by universities, organizations, or platforms that allow unlimited participation and open access via the internet. MOOCs typically provide recorded lectures, course materials, and interactive assessments. They often cover diverse subjects and are available to a large number of learners worldwide.

Professional Development and Skill-Building Platforms:

Online platforms dedicated to professional development offer courses and resources to help individuals enhance their skills and advance in their careers. These platforms may focus on specific industries, such as technology, business, healthcare, or creative fields.

Webinars and Virtual Workshops:

Webinars and virtual workshops are online presentations or interactive sessions conducted by experts in a particular field. They provide an opportunity to learn from professionals, ask questions, and engage with other participants on specific topics or skills.

Online Tutorials and Learning Resources:

Online tutorials, guides, and learning resources are available on websites, blogs, and video-sharing platforms. These resources offer step-by-step instructions, demonstrations, and explanations on various subjects, such as coding, graphic design, cooking, photography, and more.

Open Educational Resources (OER):

OER are freely accessible educational materials available online, such as textbooks, lectures, and multimedia resources. They can be used for self-study or incorporated into personalized learning experiences.

Online Mentorship and Coaching:

Online mentorship and coaching programs connect individuals with experienced professionals who provide guidance, support, and expertise in specific fields. These programs often involve one-on-one interactions and personalized feedback.

Online education outside of college can be a flexible and convenient way to learn new skills, expand knowledge, and pursue personal or professional interests. It allows individuals to access educational resources from anywhere, at their own pace, and often at a more affordable cost compared to traditional college programs.

considerations for college

Considerations for College

Attending college offers valuable educational opportunities, but it requires careful consideration due to the significant financial, time, and effort commitments involved for each individual.  Some of the top things to consider are:

Financial Cost:

Understand the financial aspects of college, such as tuition fees, scholarships, grants and any applicable loans. Familiarize yourself with the resources available for financial aid and plan your finances accordingly. If considering a loan, factor in the true cost of what's required to pay that back, including the total amount paid and time required to pay back.

Return on Investment:

Recognize that college can be a worthwhile investment if managed wisely. Evaluate the time, expenses, and impact on future earnings associated with obtaining a certificate or degree. Take into account both your future earning prospects and the incurred debt, making a careful assessment before committing to college.

Your Goals:

It's essential to thoroughly evaluate your long-term objectives and consider how college can contribute to achieving them. While pursuing a career, assess whether attending college is essential or if there are more suitable alternative paths; weigh all available options carefully before making a decision.

Balancing Responsibilities:

It's crucial to meticulously evaluate every aspect of college education, including class attendance, assignments, social interactions with friends and family, and part-time employment, to ensure a balanced and financially sustainable lifestyle when in school.

Networking Opportunities:

College is a great place to build connections and network with peers, professors, and professionals. Attend career fairs, join clubs and organizations, and engage in extracurricular activities to expand your network.  This will help ease your transition after graduation when pursuing your career.

Grants or Loans

Grants and loans are two types of financial assistance available to students for college. Here are the key differences between them:


Grants are typically need-based or merit-based financial aid that does not have to be repaid.

Grants are often awarded by federal and state governments, as well as private organizations, colleges, and universities.

Eligibility for grants is usually determined based on financial need, academic achievement, or specific criteria set by the granting organization.

Grants do not require repayment, meaning you are not obligated to pay back the awarded amount.

Grants are usually more accessible to students with financial need, and they can help reduce the overall cost of education.


Loans are a form of financial aid that must be repaid with interest.

Loans can be obtained from various sources, including federal student loans, private lenders, and financial institutions.

Eligibility for loans may vary depending on factors such as enrollment status, credit history, and income. Federal student loans typically have more flexible eligibility criteria.

Loans must be repaid according to the terms and conditions set by the lender. This includes repayment of the principal amount borrowed plus any accrued interest.

Loans accrue interest, which can be fixed or variable, depending on the type of loan. Federal student loans often have lower interest rates compared to private loans. This interest rate is typically annualized, but split between 12 months where payments are to be made monthly.

Loans can accumulate over time and contribute to your overall student loan debt. It's important to consider the long-term financial implications of taking out loans, as they can affect your post-graduation financial situation.

Grants are free financial aid that does not need to be repaid, while loans require repayment with interest. Grants are usually based on financial need or merit, whereas eligibility for loans can depend on various factors. When considering financing options for college, it's important to weigh the benefits and drawbacks of both grants and loans to make informed decisions about your financial situation.

student loans

Student Loans

Student loans are a type of financial aid that helps students cover the costs of their education. These loans are specifically designed to assist students in paying for tuition, fees, textbooks, living expenses, and other educational-related expenses. Here are some key points about student loans:

Types of Student Loans:

Federal student loans:
These loans are funded by the U.S. Department of Education and typically offer more favorable terms and borrower protections. They include Direct Subsidized Loans, Direct Unsubsidized Loans, and PLUS Loans for parents and graduate students.

Private student loans:
Private loans are offered by banks, credit unions, and other financial institutions. These loans are not government-funded and have terms and interest rates determined by the lender. Private loans may be an option if additional funding is needed beyond federal loans, but they often have higher interest rates and fewer borrower protections.


Student loans must be repaid over time, typically starting after you graduate, leave school, or drop below half-time enrollment. The repayment period and terms vary based on the loan program and individual circumstances.

Federal student loans offer various repayment options, such as Standard Repayment, Income-Driven Repayment plans (which base monthly payments on your income), and loan forgiveness programs for those who qualify.

Interest Rates:

 Student loans accrue interest, which is the cost of borrowing the money. The interest rates can be fixed (remain the same throughout the repayment period) or variable (change based on market conditions). Federal student loans generally have lower interest rates compared to private loans.

Loan Limits:

There are limits on how much you can borrow through federal student loan programs. The limits depend on factors such as your academic level, dependency status, and the type of loan. Private loans may have different borrowing limits, which are set by the lender.


To access federal student loans, you need to complete the Free Application for Federal Student Aid (FAFSA). This form helps determine your eligibility for various types of financial aid, including federal loans.

Impact on Credit:

Student loans, like any other loans, can impact your credit history. It's important to make timely payments and manage your loans responsibly to maintain a good credit score.

Before taking out student loans, it's advisable to explore other financial aid options, such as grants, scholarships, and work-study programs. Additionally, it's crucial to understand the terms and conditions of the loans you're considering and borrow only what you need to minimize your debt burden.