Need some motivation to go to class?

Well, slacking off could cost you $25,000.

Thats how much you might expect to pay for taking an extra year to graduate from a public university.

A woman and man do college work together at the library.

(The price only increases with private and for-profit colleges.)

But getting that tassel within four years isnt easy.

Fortunately, we have tips to help you no matter where you are on your college journey.

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No Interest Til Almost 2027?

Just be sure to confirm with your college of choice that theyll accept any credits you earn.

Applying to Colleges: Choose a Major

Undecided?

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Prolonging that decision could cost you when your degree requirements force you to stick around longer than four years.

Ask to join social media groups for students within your major.

Starting College: Learn New Study Habits

Think youre so smart?

The transition from high school to college can be a tough one even for the good students.

Just ask Melanie Jean Robertson.

Youre going to have to adjust the way that you study.

Youre going to have to adjust the way that you approach classes.

Youre going to have to really work for yourself.

In College: Dont Give Up

Ugh.

Youre in your junior year and are just realizing you wont graduate in four years or maybe even five.

Should you give up now and cut your losses?

Even with the extra costs, dropping out of school is probably not the best choice.

And yes, the government has extended theforbearance periodfor federally held student loans through Dec. 31, 2020.

Consider cutting back to half time or finishing classes online.

By removing yourself from campus life, you’re able to focus on working more hours and graduating.

Tiffany Wendeln Connors is a staff writer/editor at The Penny Hoarder.

Readher bio and other work here, then catch her on Twitter @TiffanyWendeln.

Senior multimedia producer Chris Zuppa contributed to this story.

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