Count Your Credits

A PSU degree requires a minimum of 120 credits. To be a full-time student you must take a minimum of 12 credits.

To limit your student loan debt, take more than 12 credits each semester. Taking only 12 credits each semester over 4 years will only get you to 96 credits. Take 15+ credits per semester over 4 years = 120 credits.

Consider Credits and Costs

The tuition charge is a flat fee for 12 – 18 credits, so you are paying the same amount whether you are taking 12 credits or 18. Think about it!

Remember Scholarship Requirements

Did you earn a Merit Scholarship from PSU? Do you know what GPA you need to maintain or what to do if you have lost it? Talk to your advisor to come up with a plan to increase your GPA.

Borrow Carefully

Only borrow what you absolutely need to cover educational and living expenses.

Keep Track of Refunds

If you receive a refund on your tuition bill, be careful what you do with that money; that money is not free—it will need to be paid back! So, don’t use that money on frivolous expenses (entertainment, vacations, etc.) Ask about returning it to your lender.

Avoid Withdrawls

Do not withdraw from a class(es) unless it is unavoidable. You paid for your courses with your tuition so earn the credits if possible. Not earning credits, either through course withdrawal or failing courses sets you back academically and financially.

Add Courses When You Can

If you are behind on credits or need to make up a low grade, take an early spring or a summer class to catch up if you can. But remember, taking courses in alternate sessions will cost you tuition and fees, and you may not be eligible for financial aid for these courses.

Make the Most of Money You Make

Work and help pay your tuition each semester, instead of applying for loans or reduce the amount needed.

Apply for Scholarships

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