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Debt Free-No Loans!

College of the Ozarks discourages student borrowing, and therefore, does not participate in the federal, state or private loan programs. Other alternatives such as scholarships and the Summer Work Program should be considered to pay for educational expenses. Off-campus work can also be found in the local area as well.  However, freshmen are not encouraged to work when classes are in session. 

This information will help you manage your debt through careful planning.


Create a Budget Checklist

Budgeting puts you in control and will help you make better decisions about financing your education. Remember:

  • Be realistic! Do not slash basic necessities,
  • Be flexible! It will not work if you are too tight or too loose,
  • Keep it simple! Don’t get so detailed that your budget becomes a chore,
  • Keep it updated.

List all of your resources such as savings, family contribution, income, scholarships, and miscellaneous.

List all of your expenses such as books, supplies, fees, room & board, transportation, insurance, and personal.

Subtract your expenses from your resources to calculate your remaining funds.

By increasing your income, decreasing your expenses or doing both, you may be able to pay for your educational expense.  Some educational expenses such as books and room and board are charged to your account without interest.  Making monthly payments is extremely important.  By attending College of the Ozarks you may be able to graduate debt-free.

_____ Summer Work Program---Twelve 40-hour weeks guarantees your room and board will be paid for during the next academic year.
_____ C of O Scholarships---Applying for the C of O Book, Hyer and General Scholarships could pay some portions of your room & board, books and supplies would be paid during the next academic year.
_____ Outside Scholarships---Consult Civic groups, parents’ employer, and Internet scholarship opportunities. You may also find additional resources on our list of scholarships.
_____ Work---Internships, part-time jobs, summer and holiday work all provide extra money as well as valuable work experiences and references. The Career Center posts part-time jobs from off-campus.  Some employment opportunities are for temporary work while others are for seasonal employment.  Current students can find additional information by visiting the Career Center site though Campusweb.
_____ ROTC Program---Check with our Military Science Department about educational financing options.
_____ Decrease Spending---You may need to eliminate spending money for items that are not necessary.



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