Just because you don't have the money for college all neatly saved up and tucked away is no reason you shouldn't continue your education.

First of all, there are scholarships, grants, work-study programs and other forms of aid that can seriously reduce the total tab.

And then you borrow the rest. There are student loans, parent loans and private student loans, or alternative loans. Government-loan programs generally offer more attractive interest rates and easier repayment terms, so that's the place to start borrowing.

You won't be alone: Two-thirds of all undergraduate students graduate with some debt -- the average amount is close to $20,000. Use our guide to help you construct a plan to borrow wisely.

All-important form is very first step -- A FAFSA form must be completed to be eligible for federal and state aid.

How to select your top aid package -- The choices are difficult to compare and can depend on personal factors.

Hurting for more aid? Just ask for it -- Most schools will not negotiate aid packages, but many will make concessions for students with extenuating circumstances.

Federal loans: Almost everyone can get one -- The biggest mistake is thinking you're not eligible and not applying.

Paying for college with private loans-- As students max out on federal loans, they have to find new sources of funds.

Shopping smart for student consolidation loans -- If you're interested in consolidating student loans, the process is getting easier and faster.

Funds for student consolidation loans may be cut -- Both the White House officials and Congress are looking for ways to cut consolidation loans.

10 answers for student-loan borrowers -- Here are the answers to the most common questions about student loans.

6 ways to help pay for college -- Used up all your scholarships and still need help? Here are ways to cover the gap.

-- Posted: Aug. 11, 2005