Making the decision to go to college is a huge financial commitment. Proverbs 22:7 reminds us that "the borrower is the slave of the lender," so it is important to be mindful of the debt you may incur. Art Rainer's book lists four ways to minimize debt: start saving now, take college level or AP courses, explore scholarships and grants, and be willing to work while in school. He also lists six misconceptions that could cost you a fortune, such as believing that a costly school will get you a better job, or that you don't need to know what you're signing when taking out student loans. Art encourages students to diligently pursue scholarships and grants, and to put in the hard work now to save and work while in school, rather than having to pay back student debt later.