These are 10 ways parents can borrow smarter for college

. Some schools include Parent PLUS loans in the financial aid package presented to accepted students, creating confusion about the true cost of attendance."Many families, especially those whose children are first-generation U.S. college students, don't realize this is a loan because of how it shows up on the aid letter," says Betsy Mayotte, president of The Institute of Student Loan Advisors.

Think twice before you agree to take out a Parent PLUS loan to pay for your child's dream college. About a tenth of parents defaulted or were seriously late with payments within just two years of their child leaving school.Federal student loans for undergraduates carry interest rates of 3.73 percent for the 2021-2022 school year, almost half of the 6.28 percent rate for parents under the PLUS loan program.

Don't send them to college - all other countries are teaching science, math, chemistry, history, biology. Our university are leading the way teaching theory, philosophy, sociology and gender so our graduates can go work for theirs.

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1. Let the kids to it themselves

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