15 things we wish we knew about money when we were applying to college by Libby Kane on Oct 28, 2015, 12:00 PM Advertisement
 By now, everyone knows that college is expensive. For the school year starting in 2015, the most expensive college in the US charged over $67,000 for tuition, fees, and room and board. But not all college costs are clearly outlined. Below, members of the Business Insider and Tech Insider staff share what they wish they'd known about money when it came time to get their finances in order and apply to college, from taking late-night pizza orders into account to remembering that grad school could be on the horizon. SEE ALSO: The US government just made 2 big changes to the FAFSA — and it could help millions of students get help paying for college  You aren't guaranteed a high salary when you graduate, so factor that into the amount of loans you take. "I wish I understood how impossible it is to pay loans back. I wish I knew how little I'd actually make out of college and therefore how hard it would be to start a life with the loan debt." — Joe Avella
You aren't obligated to take student loans. "I wish I'd known that just because you're being offered student loans as part of a financial aid package, it doesn't mean you have to take them." — Bryan Logan
 If you do take loans, there is help available to manage them. "I wish I had known that the office of financial aid at my university offered personalized loan counseling, especially near graduation. Talking to someone trained (and excited) to help students finance their debt is way easier and just an overall nicer experience than calling a hotline, usually during work hours, and waiting 30 minutes to talk to an anonymous voice. "University counselors can also often help you package your debt into one or two lump payments, which makes paying the bills that much easier later." — Christina Sterbenz
See the rest of the story at Business Insider
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