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A tried-and-true technique for saving money on higher education is to attend a smaller, more affordable community college for a year or two, and then transfer to a larger university. A public two-year institution averaged just over $11,000 for tuition, fees, room and board in 2014-2015, while an out-of-state public four-year institution cost three times as much at nearly $33,000. In two years, you could save tens of thousands of dollars by taking basic courses at a two-year school, and still earn a diploma from a bigger-name university.3. Look for schools with no-loan policies. If your academic record qualifies, and you come from a lower-income family, you might be able to find a reprieve from loans. Increasing numbers of colleges are eliminating loans for students whose families earn $60,000 or less (in some cases, the level is much higher). Programs vary by school, but nearly 50 schools have , with more joining the movement.4. Do consider loans if you need them. 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