At some point from a teacher or parent you may have heard the misguided advice to “study more” to get better grades. Although they probably had good intentions, studying more does not guarantee better grades. Studying more effectively, however, can save you time and improve your academic performance.

You may think you have everything covered on your college packing list, but there could be some necessities that have slipped under your radar.

Graduating from college debt-free can seem like a pipe-dream to those of us who grew up in a lower tax bracket, but with the right strategy it doesn’t have to be.