The way to get the most out of college is not just classroom focused.

Now you've got to win in the classroom. You've got to show up. You've got to dive in and you need to learn what you're being taught.

And obviously we'd like to see you get a really nice grade as well.

But that's only half of the winning equation when you're in college.

If you're a high schooler and you're about to start your college journey,

make sure you have some standards with your finances.

That you're going to stay away from credit card debt. That you're going to work.

That you're going to be able to budget. And you're going to make the money that you have.

Make it through school.

Make sure you've got your moral system in place.

That you have a set of morals and values that you're going to live by.

Regardless of peer pressure, regardless of craziness.

So you don't mess up your life during the next four years.

From Ramsey Network, I'm George Campbell and this is Barrowed Future.

A podcast series exploring the $1.6 trillion student loan debt crisis

and the impact it's having on real people.

In this final episode, we'll walk through how to make it through college without taking on any debt

and wrap up our series on the student loan debt crisis.

Here's Anthony O'Neil, author of the best-selling book, Dead Free Degree.

Why are you in school? You have to work, save and behave.

You're going to go to class. You're going to live on a budget.

Why are you in school? And you're going to stay out of trouble.

...