Ask Dr. Job’s chief contributor, Sandra Pesmen, is a member of the Chicago Journalism Hall of Fame and author of “DR. JOB’s Complete Career Guide.”

Winner of several journalism awards, Pesmen is a graduate of the University of Illinois Media College at Urbana, and is listed in several Who’s Who editions. She also has been Corporate Features Editor of Crain Communications Inc., founding Features Editor of Crain’s Chicago Business and a reporter/features writer for The Chicago Daily News.

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End Your Student Loans

Q. I need to take a loan to go to college but am afraid of graduating with $100,000 debt. I'm thinking of skipping the whole thing for a while, and just find any kind of job to put some money in my pocket for gas, car insurance, and some day, to rent an apartment. Am I wrong to give up?

Ans. Not so fast. Don't miss out on your entire future by putting college aside so easily. There are ways to  keep college costs down. You can go to community college while living at home and working. You can find a job, then take one college course at a time in evening school. You also can consider that Congress is trying to figure out ways to help college grads "forgive" those debts using Bankruptcy laws. Chuck Stewart supports the theme in his book, "Bankrupt Your Student Loans" (Paperback $34.95).

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