Want to reduce your educational debt? Consider attending a community college for two years and transferring to a four-year college or university to complete a bachelor's degree. This strategy is often referred to as a 2 + 2 plan.
Many community colleges have agreements to ensure students' credits will transfer to a four-year school, and some schools offer need- and merit-based aid to community college transfer students. Additionally, the cost of tuition at community college is often significantly lower, and saving on room and board for two years can help cover the increased costs that will be incurred when the student transfers.