[Kevin]

Originally posted by irishpipes
That was the key for me. I graduated with a B.S. and M.S. and no debt. I didn't have a car or a credit card. I rode my bike to my jobs and borrowed clothes from friends for parties. My friends cut my hair. (I always played that off as like a "spa night" so they didn't know it was because I couldn't afford to get it cut at a salon.) Loans would have made my life easier, but I was very leery of starting off with that much debt. I did have some scholarship money. I just skimped on everything and really I don't think many people ever knew.

ETA: I rode my bike in the snow, uphill, with no shoes

Not possible when tuition runs at greater than half of my pre-tax annual salary.

Congrats to you though.