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Options for Students Who Shouldn’t Go to College

Kayleen McCabe, host of DIY Network’s “Rescue Renovation,” spends her time outside of the show talking to middle and high school students all over the country about opportunities in the construction field.

“This whole time I had this inkling that I wanted to work with my hands,” the Colorado native says, who attended several colleges before dropping out and eventually pursuing work as a general contractor. “The trades are an excellent opportunity.”

Some students might be happier pursuing a path other than attending a four-year college, education experts say.

“Back when I was in high school, it was for the misfits who went to a technical program. So really it’s a perception thing,” the TV host says, who produces videos for secondary teachers to spark the conversation about pursuing a career in the trades.

She adds that the mindset, especially when she graduated from high school in the late ’90s was “you definitely want to go to college.”

“There’s this terrible notion that working with your hands and being blue collar is not an honorable profession,” McCabe says.

Nearly 70 percent of high school graduates from the class of 2015 enrolled in a college or university, according to the Bureau of Labor Statistics, and that number doesn’t take into account the number of students who drop out of college.

Almost 41 percent of students who start at a four-year college fail to complete a degree within six years, according to the National Center for Education Statistics.

Education consultants say college isn’t for everyone — especially with the rising cost of attendance.

“No one wants the burden of the cost of college and just have it be a place where there’s no real focus,” says Scott Weingold, co-founder of College Planning Network, a Cleveland-based college admissions and funding advising company.

Weingold says some students might benefit more from attending a vocational or trade school, taking a gap year or pursuing an entrepreneurial path.

For students who are on the fence about college, here are three different paths to consider.

1. Vocational or trade school: “I went to junior college because I thought that’s what I had to do to be employable in society, and that’s not the case,” says Jessica Turner, 23, who dropped out of Germanna Community College in Virginia before enrolling in the diesel and industrial program at the Universal Technical Institute’s Pennsylvania campus.

Turner, of Spotsylvania, Virginia, says that she likes the program because it involves working with her hands instead of sitting in a classroom all day.

[Find out how trade schools and community colleges can prepare students for careers.]

“We are in classes a lot less than a junior college or four-year college. Plus we get the hands-on-training in the labs and in the shops. So the stuff we finish in class, we can go and reiterate.”

Certificate programs, such as those offered at UTI, are the fastest growing postsecondary credential after earning a bachelor’s degree, labor experts say.

A study from Georgetown University‘s Center on Education and the Workforce found that certificate holders earn 20 percent more on average than high school graduates. Certificate programs include those in auto mechanics, electronics, construction, food services, health care and cosmetology — to name just a few.

“It’s actually incredible,” says Turner, who will complete UTI’s program this October. “I’m fully credentialed to provide for myself and my family.”

2. Entrepreneurship: “Kids who are super entrepreneurial and have had a business since the seventh grade — maybe they can look at doing something entrepreneurial other than going to a traditional college,” says Weingold from College Planning Network.

Rick Fiery, co-founder of InventiveLabs, a research lab and business incubator in Amesbury, Massachusetts, says the bulk of applications they receive for business ideas are from those who didn’t finish college.

When they first started to receive applications for their incubator, Fiery says, it was spooky because every single one said: “They wanted to change the world, but the world wasn’t listening.”

“If you look at all the famous people who are running companies, most of them have a form of learning difference,” Fiery says.

Many of the applicants to InventiveLabs have learning or attention issues such as attention deficit hyperactivity disorder or dyslexia.

“We’ve identified that it’s a challenge for those young adults to make it through college, especially today,” the Massachusetts incubator co-founder says. “We have a program that can pick people up if college didn’t work out and they are someone who wants to create their own businesses.”

3. Gap year: A 2015 survey by the American Gap Association, a nonprofit that accredits companies that coordinate these stints, found 81 percent of those who took a gap year said they wanted a break from the traditional academic track.

[Discover how a gap year can make students successful.]

Some graduating high school students need a chance to develop personally before attending a four-year college, advising experts say.

“Take a year off and just figure things out,” says the College Planning Network adviser, about students who lack focus or are undecided about college. “Those kids might spend six or seven years in college, and they’re better off figuring things out before they commit to a college.”

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Options for Students Who Shouldn’t Go to College originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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