<prompt> Human: I was wondering the best way to do student loans for college. I start in the fall and I have no scholarships. I will be oweing around 20k for my first year and I have no clue how or what the best way to do loans is  <response>: If you can, attend a local community college for the first four semesters. My CC cost a third of what my 4-year school did per semester, and I got a better education at the CC.Loans are pretty easy too easy, in fact. Youll do a FAFSA online and then use that to apply for federal aid. If your parents make a lot of money regardless of how much they will support you, they will have a high expected support and you wont get much federal aid.Time to start applying for scholarships. Churches, VFWs, random scholarships in your community are great places to look. Search for your university scholarships and do a good job on any scholarship application you can. I was awarded 10,000 in scholarships for about 3 hours of work, yielding a pay rate of about 3,333 hr untaxed. Definitely dont make that much after college.Make sure you get a degree worth having. 80,000 is not a small chunk of change and monthly payments would be about 800. Make sure that youll be able to get a job that makes that decision worthwhile. Dont go to college just because someone says you should.Good luck! 