In modern schools, the criterion of what qualifies as teachable material is underrated. More and more high schools have begun preparing students for upcoming state tests rather than how to be financially armored, when taking the next step in their education. During the end of one’s high school career, many students face the pressing question: What college am I going to attend? For many students, the answer is clear and concise and seemingly mapped out in every sense of the word. For others, the idea of college may be registering for the very first time. Whether a student prepares for the next step or not, the next most important question should be to specify the means of paying for secondary school education.

The truth is that almost every student that enters a secondary education facility will finish their degree with mounds of student debt. Students who are not granted scholarships, or federal aid, tend to believe that the best way to seek out money is through student loans. A result of student loan borrowing is graduating on average with over $37,000 of debt, per year. When awarded loans in the full estimated amount, any money not used for educational purposes, or by the school, will be refunded to the loan borrower servicer. Oftentimes, students who lack financial literacy teachings, may go through hardship when paying for student loans.

If this is indeed adopted into high school curriculum’s, many students will feel more encouraged to enter two or four-year secondary schools without the worry of having mounds of debt or the fear of not being able to repay the debt.