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It depends on which category of student you really are. I think there are 5 types of Indian students.Last night fighterHow he studies - He is a common student, who does all kinds of activities year around, except studying. But given the last night before exam, you will see a sudden transformation from a nonchalant relaxed mode to a super serious geek mode, for only one night although. Although his results not always guarantee success, he will still never study earlier than last night. However, he always promises to start early the next time, but his nonchalant attitude would not let him start early.2. The plannerHow he studies - He is the master planner. His plan begins with splitting his subjects from 30 days before exams, hence making a perfect looking Time Table. However, after 10 more days, due to non-performance, he splits up the subjects for a 20 day schedule. This goes on. Planning according to time is his forte, however implementing the plan could be a challenge for him.3. The compromiserHow he studies - He is the easily distracted student with multiple hobbies. For him studies is important, but not at the expense of his time pass. Therefore, he makes a deal with himself before studying. For example, he will study one chapter and then watch one movie or a Youtube video,etc.4. The hard workerHow he studies - He is the ideal student as described by teachers. He might be teachers favorite, but hated by his class mates, until the last week of the exams, where his Note book is highly demanded for getting photocopied. He is usually the serious guy who will likely top the exams.5. The smart workerHow he studies - He is relaxed and stress free, but sets his priorities right in time. He will switch off his phone during exams, because he knows few days of studies will cover up for his fun filled outing throughout the year. He also does smart study, i.e, he will mark out the important Questions before starting his preparation.Which type of a student are you?

My parents told me when I graduated from high school: “We are not paying for your college costs because it only benefits YOU.” “What???” I thought. They were serious. They also told me that it would be better if I was to get a job as an office worker or nurse. They told me that I wasn’t that smart, so I would not do well in college.They had a point there. They didn’t realize that while I wasn’t “book” smart because my parents didn’t assist me academically, I was very “street” smart.Had I to do it all over again, I would have taken the nursing path and gotten a decent paying job within two years (LVN) and then gone to school part time until I finished my BSN. Instead, I graduated with a 4 year degree in Business, which was not easy to translate into a high paying job.The idea is to work part time at a setting in which you want to someday work a career. For example, if I wanted to someday be a nurse, I would get a part-time job answering the phones at the clinic or hospital where I ultimately wanted to get a job as a registered nurse. I could also work at the hospital cafeteria, serving food. You get the idea. You will meet many nice people, and some may let you know how to use your money wisely in order to pay your tuition for your education. There are also some scholarships…and JOBS to apply for when you have completed your education.If you want to be a city planner, maybe you can work at City Hall answering phones and/or helping customers at the counter. Let your boss know that, someday, you want to become a city planner. They will point you to the best college in the area that may be less expensive than you think.After the age of 25 you can get monetary assistance based on your income.Taking out student loans sparingly and carefully would be another option. Don’t use student loans to pay for your living expenses, food, and partying. Try to use it just for tuition. Why? Because they have to be paid back, starting 6 months after you graduate. Imagine finally graduating, getting your first job, then a large part of your check’s going to pay back your student loans! Horrible plan, but, if carefully done, is O.K. in the long run. If you don’t make your payments, the interest on what you owe will make your loan increase. In the U.S., you cannot discharge these loans through bankruptcy. They will take it out of your SS check when you are old if need be. Don’t risk it!I say this because so many students used the loans to keep them in school and enjoying life. They didn’t carefully think about what kind of job they would get with their degree. They thought too much about what they wanted to do, rather than what they were good at doing. It should be a combination of the two.Some graduated with degrees that were just too general and easy. Degrees like management, communications, marketing, social studies, history, or anthropology, don’t always have a job attached to the degree. It is certainly not impossible to find work, but at times it is challenging to find work than for other, more directive, degrees. Teaching, nursing, accounting, finance, computer engineering, engineering, city planning, city management, etc., have an easier career route.I have a friend who started out working for a school district driving a bus. He ended up working during the day and then taking classes at night in order to get a degree. He then was qualified to apply for managerial jobs within his school district. He later got a master’s degree online and qualified to be a finance director at his school district. All the while his years with the same school district kept contributing to his retirement. When he retired, he was able to receive his full pay and benefits.I was so proud to hear about his life. He never complained about his parents not paying for his tuition. He just figured out how to get out and work, never losing sight of his educational and financial goals. I am sure this man never thought about driving a bus for a career goal. He just knew that he would be getting paid a decent wage; he was receiving great medical and dental benefits, and retirement. He also knew that there was opportunity for advancement in several career paths.As for me, I struggled and did O.K. anyway. Do not let your parents tell you what to do with your life. You are in charge of your life when you turn 18. I paid 100% for my college. I applied for and received two separate student loans for $2,500.00 each. I needed the money because my tuition was due and the two jobs I was working only paid the rent, utilities, and a little food. I didn’t think to get food stamps, although I should have. Also, check in with the local churches and city hall for free food programs. You can also work at a restaurant at night and eat for free. There is no reason to not eat because you don’t have the money. If you don’t have any money to join a gym, get a job there and you can attend for free.My first job after college was working for a big pharmaceutical company. I paid off my student loans within two years by making double and, at times triple, the monthly payments.You will do O.K. Good luck. Life is not always easy, but going through it can be satisfying. Some parents are just uncaring, uneducated themselves, and just selfish if they have the money, or are poor. If they are poor and don’t have the money, you can get student aid. Go to the student aid office at any state university or two year college. The cheapest way is to get a two year certificate at a community college then transfer your credits for the last two years at a local university. You probably cannot afford a private university.Do the best with what you have. You can do it.Good luck!

I can hardly believe this is a real question, but I'll bite. Only because I wrote most of this answer a few days ago, and then decided it wasn't on topic. But here, it's bang on topic.No. Not just no. HELL. NO.I'm assuming here that you have never had a job that paid that much. And therefore, you don't have a lifestyle to match it. For grins, we'll work on the theory that you are a recent graduate, and this is your first job. You're the right age. But this advice applies even if your last job was $80,000/yr, and you've only been out of work three weeks.If you have no debt (or only student loan debt), you are MUCH richer than most of the people around you. They have mortgages, expensive cars with expensive payments and maintenance and parking fees, credit card debt, a trophy wife, child support, and kids in private school. They eat fancy food because it's the only thing left they can pay for. And every day, they wish for a way "out."You, on the other hand, have a small, inexpensive apartment, a cheap (or no) car, and almost certainly student loans, because you are definitely not a planner. Probably a little credit card debt. I'm guessing from the question.You want to buy a fancy car, presumably because you "deserve" it. Just for starters, how the hell do you know that you will survive past 90 days on the job? Why do you want to incur seventy thousand dollars in debt for a depreciating lump of steel and rubber that costs around $10,000 additional every year to run?Do you have an emergency fund? Do you have twelve months of [reasonable] living expenses in the bank? Do you have a large retirement fund? Do you have a vacation fund? A wedding fund? A gift fund for Christmas and birthdays and other people's weddings? Do you own your house outright? Do you have investments that are paying you handsomely? Can you pay for this expensive car in cash?No? Then you can't afford the car. End. Of. Story. A car is a consumer item which depreciates like hell when you drive off the lot. You pay $70,000, and two days later it's worth about $45,000. I am not making this up.If you are willing to continue a student lifestyle for just a few more years, you can be wealthy. Or, you can blow it all on a car that will be worth ten percent of what you pay in less than 10 years (not that you will keep it ten years, because the next new best shiny thing will come out, and you'll want that).Take transit (or buy a cheap used car @$6000), stay in a small apartment with roommates, buy used furniture, and eat lunch at the office. You can upgrade the food you're eating, and you will have to upgrade the clothing (but not nearly as much as you might think). I'm not talking about ridiculous frugality. I'm just saying, don't be in such a damn hurry to run your lifestyle up to what you think you "deserve," because you don't. The "Jones'" are insolvent, why do you want to keep up with them?Upgrade your life from "student" ($1500/mo) to "new professional" ($2000/mo). This is $24,000 a year. Spend the extra $500/mo on new clothes and and upgraded food. You'll lose about $30,000/yr to taxes. Once every quarter, or every six months, blow a week's salary on something ridiculous (rent a Tesla Model S for the day, or buy a new cell phone). Sock the other $40,000 and all your raises away for the next five years, and buy an income producing apartment complex. Pay a property managment firm, move into one of the apartments, rent the others, and repeat. Or, invest in some other income producing asset.MOST people making large salaries right out of school should do this, or something like this, but instead, they rack up debt at a prodigious rate in the first five years: for some reason, "new stable job"=new car, new house, new spouse, first kid, new credit cards, big vacation every year. Very few people stay in their first job more than five years, and if you truly hate it, you're going to want to leave the profession, but without savings, and with a huge nut, you won't be able to.Large savings (I'm talking half your salary or more each year) gives you *real* stability and security. Plus, if you lose your job--don't forget bankrupt/insolvent employers, not just get fired or quit--you won't have to immediately reduce your standard of living if you are already living well within your means, and you won't have to stay in your career or take the first job that presents itself. If your first job pays well, and you save much of it, you'll have many options you will not have otherwise.*This also presumes, probably incorrectly, that you planned well in college and your student loans are low. But student loans ARE low interest. My theory, if you have loans, is to pay the minimum on your student loans, pay off your credit cards, save like hell, and invest in something income producing.The other idea, ESPECIALLY if you are young and hate your job (I'm thinking of attorneys in large firms here), is live like a student for two years, and PAY OFF THE LOANS. They will haunt you for the rest of your life if they are large enough, and constrict where you can work and if/when you can quit, change careers, buy a home, travel, marry, etc.TL;DR: No. Hell. No. Buy a cheap car, save money like crazy, and maybe pay off your student loans. Incur no consumer debt during your first five years in the labor market.If you think I sound like your mother, thank you.