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Complete some of your credits at a lower-cost school. You can save a lot by completing your general education requirements at a community college, state university, or less expensive school and then transferring to complete the degree. A less competitive school may offer merit aid to attract talented students. Talk to an admissions counselor to be sure your credits will transfer, and learn as much as you can about the financial aid policy. Some schools restrict financial aid for transfer students, or may only have financial aid for students who transfer at the beginning of the academic year.