How to graduate from college debt-free in the US using FAFSA, scholarships, and financial aid

Graduating from college debt-free in the US is achievable with careful planning and use of FAFSA, scholarships, and financial aid. Public universities offer the most affordable tuition, averaging $11,950 in-state for 2025-26, while private colleges average $45,000. Nearly 75% of undergraduates receive financial aid, which significantly reduces costs. Strategic use of grants, merit aid, and work-study opportunities can help students minimise or eliminate student loans, making debt-free graduation a realistic goal.

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