I worked my way through college. Having a part-time job and working a lot of hours wasn’t fun, especially during mid-terms, finals, and summer breaks. But, thankfully, I was able to graduate without any student loan.

If you have children, you may be familiar with the 529 savings plan.
 
This is how it works in a nutshell.

• You pick a plan (sponsored by states)
• You contribute money
• You invest the money 
• Your money grows tax-free
• You use the money to pay for qualified higher education expenses
• You don’t pay income on distributions if the money is spent on qualified higher education expenses