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Preparing for College

The Graduate Survival Guide Identifies Costly College Mistakes

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Looking for a fun and impactful gift for a graduating high school senior or college freshman? Maybe something they’ll actually read? Look no further than The Graduate Survival Guide. This book will show students how to succeed in college and avoid money problems.

But this isn’t your typical “how-to guide.”

You’ll find bold language, cutting-edge artwork and relateable, real-life college stories from Ramsey Personalities Anthony ONeal and Rachel Cruze. The Graduate Survival Guide offers tips to ensure your high school graduate is set to succeed in college and beyond.

High School Graduates Need to Know How to Succeed in College

Anthony ONeal wants your high school graduate to avoid making the same mistakes he did as a college freshman. For him, it’s personal. Anthony signed up for a credit card when he started college. Within six months he was $25,000 in credit card debt. By the time he was 19, he lost his college scholarship, got kicked out of school, and was living out of his car. He hit rock bottom and knew it was time for a change. Since then, Anthony has dedicated his life’s work to helping students make good decisions with their money, relationships, and education.

“The caliber of your future will be determined by the choices you make today.” — Anthony ONeal

5 Financial Tips for High School Graduates

The first step to succeeding in college is learning how to make good money decisions. One financial mistake as a college freshman can hurt your wallet for years! Here are five financial tips for high school graduates to thrive in college.

1. Avoid Student Loans

Outstanding student loan debt in America currently stands at $1.4 trillion. Trillion!(1) That’s ridiculous! The bottom line here is simple: paying back student loans always takes longer than you think and costs more than you want to spend. Students should avoid them at all costs! Don’t you wish someone had shared that insight with you when you were in college? The Graduate Survival Guide includes personal stories and practical advice to help students steer clear of loans.

2. Avoid Credit Cards

Despite what the credit card companies often tell new campus arrivals every fall, there’s really no such thing as a free pizza, a free T-shirt, or a free anything. For hungry college students, the offer of a free gift in exchange for a credit card application can be enticing. But no freebie is worth signing up for a debt trap. The Graduate Survival Guide shares the facts about credit cards, dispelling not only the “free” gift myth but also many others that could trap students in a cycle of debt.

3. Make Smart Financial Choices

Every young person, and especially every college student, must learn this: Your now impacts your tomorrow. That’s why it’s so important for young people to have the tools they need to make smart choices. From choosing the right major to avoiding scams, The Graduate Survival Guide gives students both the information and the inspiration they’ll need to make good choices throughout college and into adulthood.

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4. Make a Budget

This is where our budgeting expert Rachel Cruze takes the wheel. She will walk you through the steps you need to make a budget each month. It doesn’t take long for college freshmen to realize the need for a detailed plan to track all of their classes, deadlines and study sessions. But far too many students fail to make a similar plan for their money. The Graduate Survival Guide helps students understand the importance of making and sticking to a budget. It also offers advice on things like insurance and budget-friendly date nights.

5. Start Saving Money Now

Many of tomorrow’s millionaires are in college today. And when they hit seven figures, it probably won’t be from winning the lottery or signing that longed-for sports contract. Instead, they’ll reach millionaire status through the long and satisfying process of saving money over time. The Graduate Survival Guide teaches students the reasons they need to make saving a priority—even while still in college!

The Graduate Survival Guide is the graduation gift you wish you had when you went off to college! Help the college freshman in your life learn how to win with money now and for the rest of their life.