Gary North on current economic affairs and investment marketsGary North -- Specific Answers
HomeContact MeTell a FriendText SizeSearchMember Area
Gain immediate access to all of our current articles, the question-and-answer forums, dozens of free books, and article archives. Click here for details on how to join.

About This Site
Academic Gaps
Capitalism and the Bible
Christian Economics
Clichés of Protectionism
College Finances
Debt Management
Ellen Brown: Critique
Federal Reserve Charts
Gary North's Free Books
Get Published Here!
Gold Price & My Report
Keynes Project
One Lesson
Price Index (U.S.A.)
Questions for Jim Wallis
Remnant Review
Social Security/Medicare
Sustained Revival
Tea Party Economist
U.S. Debt Clock
Yield Curve
Your YouTube Channel
Gary North's Miscellany
Budgeting for Wealth
Business Start-Up
Career Advancement
Digital Tools
Education That Works
Evernote: Free Notes
Federal Reserve Policy
Fireproof Your Job
Goal-Setting for Success
Great Default
Inheritance Strategies
International Investing
Investment Basics
Job and Calling
Keynesian Economics
Marketing Case Studies
Precious Metals
Real Estate
Safe Places
State of the Economy
Stocks and Bonds
Study Habits
Video Channel Profits
Members' Free Manuals
Our Products
Contact Me
Tell a Friend
Text Size
Your Account
My 100% Guarantee
Privacy Policy
Terms of Use

This site powered by MemberGate

Never Pay Retail for a College Education . . . for Your Child or for Yourself.

Gary North
Printer-Friendly Format

Nov. 11, 2006

College is a high-risk crap-shoot. Over half of all students who enter college fail to graduate. Click here for evidence.

Not only do most high school students expect their parents to pay anywhere from $25,000 to $180,000 in after- tax money to send them to college, they expect their parents to bear the high risk of a drop-out situation: a pile of paid receipts and credit card bills with nothing to show for it.

If you are adult who wants to earn a degree, there is no sugar daddy for you.

Here is the dirty little secret of the academic degree-awarding industry known as higher education:

A college degree is way overpriced. Students (parents) pay way too much money. Students spend way too much time in class -- time that is far better spent in reading and writing. Then they pay room and board on top of it.

I know how the American academic system works. I was trained as a scholar. In 1972, I was awarded a doctoral degree by one of America's better universities. I have written 43 books. I have taught at the college level.

I'm outside the academic system, and I have been for most of my post-doctoral career. I know enough about how the system works not to be overly impressed with it. I also know how to beat the system.


Every system has loopholes. Loopholes are official exceptions that are mandatory for any system to be consistent with its official standards, but which would threaten its economic survival if more than a small minority of users took advantage of these loopholes. Higher education is no exception.

Here is my view: there is no good reason for people not to use them when they're available. They are made to be used. You might as well be the person who uses them.

Paying retail is not necessary. If a person knows where to look, he can earn a fully accredited bachelor's degree that is not overpriced: not in money charged, not in time invested (if he can meet certain life-experience requirements), and not in distance traveled. He can earn it at his desk for under $7,000. In under three years.

Because of the Web, a student never has to leave his desk to earn a B.A., except to take monitored exams at the local library.

The Web has changed just about everything. But it's only one option. There are others. There are many ways to skin the academic cat.


Maybe you can do what Brad V. did. As a new high school graduate, he completed his bachelor's degree in six months for $5,000. This was not some phony diploma issued by an unaccredited diploma mill. It was a degree from a state university. He never left home to attend college.

Brad paid $5,000. He might have paid as little as $3,100. But then college would have taken him two years. As in most areas of life, there is a trade-off: you can pay less, but it will take longer to get a degree.

There are a few accredited colleges that grant people academic credit for their education-related work experience, and even life experience, meaning nonsalaried work. I call these "merit badge courses." If a student can show that he has the knowledge equivalent to a college class, he doesn't have to take the class. He just has to pay for it -- sometimes at a big discount. Some students can knock a full year off of their course requirements this way.

This option makes sense educationally. What we learn on the job sticks with us. Our work teaches us in the broadest sense. Why shouldn't adults receive formal educational credit for knowledge they have mastered -- not just learned in a classroom, but truly mastered -- on the job?

Only a few accredited colleges grant academic credit for work experience and life experience. Some that offer this don't publicize it. They can't afford to. Advertising is expensive. So, the story doesn't get out. That's why so few Americans know of this opportunity.

A degree from Harvard, Yale, or Princeton will have a lot more prestige than one from any of the colleges I discuss. But will that degree get its holder a job that pays 10 times more (after taxes) than a degree from a college that costs 10 times less? Not likely.

The fact is, a college student can afford to fund his own education if he is willing to use the system of seven loopholes that I have described in my special report.


No college can afford to give information away. Yet there is almost nothing that is taught in a college that a student could not get in a local public library or on the Web.

If you have ever seen the movie, Good Will Hunting, you probably remember the scene in the restaurant where Will, a high school graduate who is a genius, blows away a hot-shot Harvard student. Will knows more than he does. That's because Will has spent a lot of time in the public library, and he remembers everything he has read. He tells the Harvard student that he is spending a fortune to learn what Will has learned at the public library.

Unlike Will Hunting, you may not know where to start looking for the information you need about earning a college degree at home at a price far lower than you ever thought possible. Even if you do know what you're looking for, you don't want to waste your time in a fruitless search for information that you may not find. Your time is too valuable.

I'll save you time. I have done your homework for you. I have said that there are seven loopholes in college education. Few people have heard of more than four of them, and few of these people have ever actually taken advantage of them. That's because they haven't put all of the pieces of the puzzle together. I have.

I have spent all of my adult life in libraries, including my own (about 13,000 volumes). I have spent thousands of hours on the World Wide Web. I have discovered where a student can earn an accredited four-year college degree at a price that most middle-class Americans can afford. Three minutes from now, you can have this information.

While there are books out there on this or that aspect of nontraditional college education, they are all aimed at parents or self-funding adults who are on their own financially. They are not designed to change a student's mind.


I can save you at least $9,700 in college expenses, or I'll send your money back. I figure that I should be paid one dollar for every $100 that I can save you. Does this sound reasonable?

I charge $97. Or pay $77 as a member of this site.

You have two years to decide whether I can save you at least $9,700. What have you got to lose?

Join here:

Printer-Friendly Format
 Tip of the Week
Sign up for my free
Tip of the Week
Verification Characters:    Type     4  9  M  I  3     here   

Tip of the week archives
On what this icon
means, and how it
can help you,
click here
 Q & A Forums
General Q&A Forum
Advertising and Resumés
American History Topics
Backyard Food Gardening
Banking and Politics
Blog Sites and Web Sites
Books Worth Reading
Bumper Sticker Slogans
Business Forum
Buying Smart
Christian Service Forum
College -- The Cheap Way
Education Alternatives
Food Storage
For Women Only
GNC Benefits
GNC Testimonials
Gold and Silver
Great Default Forum
Health and Diet
Health Insurance
Investments Forum
Iran War
Job, Calling, and Career
Leadership Development
Legacy Building
Less Dependent Living
Local Political Action
Non-Retirement Forum
One Good Idea
Police State
Public Speaking
Real Estate Forum
Remnant Review Forum
Safe Places Forum
Taxation Policy
Typographical Errors
Video Production Basics

Reality Check
 Discussion Forum
Search Discussion

Recent Forum Posts
• Cashing in 401k??
• Rare Coins vs. Gold
• ETrade Dumping Global Trading
• The New World Order Just Got a Wake-Up Call
• Are rates rising or falling ?
• The Next Market Crash article
• Gary, what IS your long term investment outlook?
• Trailer parks as a sound investment
• Prices for US treasuries headed south?
• Copper
• Negative interest rates
• Looking for educational material
• Safe currencies to hold
• Benjamin Graham?
• A Motif masochist investor asks
• Buy or Rent for a Young Family
• Raising Rent
• Financing vehicles
• Sell or Rent with Recession on the Horizon
• VA Home Loan
• House flippers are back with Wall St help
• Is there a large brokerage you recommend.
• Ever hear of Exit Realty?
• What commission do you think a broker should get?
• Capital gains
• Developing a mobile home park
• Word press plug in
• Rent controls in mass inflation:where to go?
• How to calculate ROI for a rental property?
• How should I sell a house?
• Let's not make a deal!
• US Pop update: 78% pop decline by 2025 !
• Price Book- End of America
• Time to leave America while you still can ?
• Impact Fees for New Florida Residents
• New Hampshire and Florida
• Ecuador and PR
• Survivor library
• Missle Silo converted to Condos
• Does the South suck?
• Moving TO the US?
• No City for Old People
• Will you die getting to your bug out location?
• teaching English overseas - some questions
• The state with the most Liberty
• Kurzweil on Financial Times
• Why is this fantasy world stuff?
• One change could help saving for retirement
• Forced retirement - lump sum - legal work
• Moving Retirement Funds
• Sudden Wealth Advice
• Sudden Wealth Advice
• Question on Traditional Pensions
• advice on how do I interact with my older parents?
• Do You Sincerely Want to Be Rich? Why?
• Req. For No 401(k)/Other Pensions via Relocatio
• Cashing out 401K to pay student debt?
• SS @ 62 and still working
• Desolation or Prosperity?
• I take it Retirement Armageddon is not available
• Learning to program
• A Way to Brew Morphine Raises Concerns Over Regula
• New McDonald’s In Phoenix Run Entirely By Robots
• Video: Trumpet-Like Sounds, Worldwide
• This just in ...
• No kidding?
• Osama and me article
• Cartel busting by Uber
• Top universities want you to homeschool
• Someone argues that God sustains without job
• State deficits
• Bank pays you for Mortgage
• The Changing World of Agriculture
• Overpaying Workers=Biblical & Business Sense ?
• Discipline begins with Dad...published!
• Loyalty
• Small business loans
• Metrics for growth of online education?
• How to best build email list of High Net Worths
• Competing where no one wants to
• A Low-Cost Weekend Business to Retire Into
• Questions for small business owners
• Leasing Question
• New Motor Technbology
• MBA programs that get you where you want to go
• a different marketing - using academia
• Video Interview Equipment
• Beginner Business Structure
• Apply 80/20
• Good Recruiting wins Championships = $$$