College in the US is famously expensive, and many students worry about the long-term burden of student loans. But for a significant number of undergraduates, graduating without any debt is entirely achievable. More than half of students earning bachelor’s degrees from public four-year universities finish school without owing a dollar, according to the College Board. Understanding how to combine FAFSA, scholarships, and financial aid can make this goal realistic for many families. Rising tuition and fees may seem daunting, especially at private colleges, yet strategic planning can significantly reduce or even eliminate debt. While sticker prices grab headlines, the actual cost students pay often differs greatly once financial aid is factored in. For students and parents, knowing how to

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