New York Post: Get ready: How you apply for college aid will change next year

December 13, 2015

Things can look bleak for a college graduate these days. In 2014, 69 percent of university seniors were leaving school with student-loan debt, owing an average of $28,950 each.

In New York, the statistics are only slightly rosier: 61 percent of graduates owe an average of $27,822 each.

These are debts that can’t be shed, not even in bankruptcy.

How can you get the benefits of a four-year degree without the shackles of loans? Patience, hard work — and a few smart choices.