Like many students from low-income families, after calculating the total cost to apply for college, I crawled into a ball, my mind racing for a solution. Where would I find the money that wouldn’t entail selling one of my kidneys?

My pre-college to-do list loomed over me: Take the SAT — once if I do well, twice if I don’t; the SAT subject tests; and the ACT. Send my test scores, transcripts, and college applications out. Expensive SAT and ACT prep was another hurdle. In all, the cost would be hundreds of dollars that I didn’t have.

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How to Apply for College Without Breaking the Bank | USDA Food and Nutrition Service Income Eligibility Guidelines
Source: United States Department of Agriculture

If any of the above is relatable, I feel you. Students like myself face a huge degree of stress and numerous financial challenges when applying for college. But I didn’t let that stop me.

Covering the Cost of Applying for College

During the winter of 2017–2018, my friends and I did some research and learned there were plenty of resources to help us cover the costs of applying for college. In the end, we all were accepted into top schools, and we hardly spent a dime.

What’s our secret? That’s the best part. There is no secret, just planning and research that I will walk you through from start to finish. Here’s what we did.

The SAT and the SAT Subject Tests

Q: As a low-income student, how much do I have to spend to take the SAT and the SAT subject tests?

How to Apply for College Without Breaking the Bank | College Board SAT Fee Waivers

Answer: $0 to $64.50 (SAT)

SAT: The College Board gives two free SAT fee waivers to those who qualify, shown on the right.

However, if you need to take the SAT for the third time, you’ll have to spend $47.50 for the test without the essay or $64.50 with the essay. That said, my high school counselor advised me that there is no tangible benefit in taking the SAT more than three times.

Student Advice: “If you can, study hard and grind through so you can get the SAT over with after two tests.” — Sarah Martinez, sophomore at Boston University

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SAT Subject Test: The registration fee is $26, and you may take up to three subject tests in a day. The College Board offers two SAT subject test fee waivers with the same qualification criteria as the SAT fee waivers. Each fee waiver allows you to take up to three subject tests a day, so that’s a total of six free subject tests. I took world history and math I on day one, and math II and biology on day two. That saved me $104 that I would have spent for all four tests.

Q: How do I get the fees waived? What documents do I need as proof of eligibility?

Answer: Ask your high school guidance counselors, as the College Board sends fee waivers directly to them.

Q: How do I save money when sending the SAT and SAT subject scores to colleges?

Answer: You don’t have to. It’s free! In 2018, the College Board began providing unlimited SAT and SAT subject test score reports for low-income students.

As long as you’re eligible for an SAT fee waiver, you can do a little celebratory dance because you just saved yourself at least $100.

Aaron Chen, a student at Hunter College in New York City, spent $135 just on sending SAT subject test scores. This doesn’t even include his regular SAT test scores. He applied to eight private colleges, two New York state schools, and two New York City schools.

Chen reckons that sending his scores was the most expensive part of his entire college application process. “I should’ve applied to only one school if I knew I was gonna stay in the city,” he says. Of course, applying to just one school is not advisable.

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How to Apply for College: Tips For Students Who Aren’t Quite Low Income

Q: How can I save money if I fall slightly short of qualifying as a low-income student?

Answer: It’s harder, but not impossible.

Apply to College Without Breaking the Bank. Are you in over your head with college application costs? Check out these tips and learn how to apply for college without going broke. #college #collegetips

Are you in over your head with college application costs? Check out these tips and learn these preparation on how to apply for college without going broke. #college #collegetips #freshman #hacksFelix Liu, who attends Stony Brook University on New York’s Long Island, didn’t qualify for free lunch because his family income was $2,000 above the $46,435 cutoff for a family of four. Failing to qualify for fee waivers, he spent more than $200 applying to 10 colleges.

To avoid this additional spending, use the four free score reports that are available up to nine days after the test date for every SAT subject test date for which you sign up.

“But I don’t know my scores before sending them,” you might say. The trick is to send the scores to your safety schools. These are the colleges that you’ll most likely already be accepted to because your academic credentials exceed those of the average first-year student.

This strategy could save you $90 (four schools, $11.25 per test for two separate test dates). The best part of this strategy? Even if the scores turn out to be bad, your acceptance won’t be jeopardized because of your otherwise above-average application.

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Cynthia Leung, a recent graduate of Syracuse University, advises students to find free prep courses online through companies like PrepExpert. She also recommends asking around to see if there’s someone who can offer you free or affordable tutoring.

Test Prep (SAT and ACT)

Below is a list of resources that my friends and I used.

Online Test Prep In-Person Test Prep
●      Student Tutor: Offers five week of SAT for free.

●      Khan Academy: A fantastic resource for those who can’t afford SAT prep. The lessons cater to your weaknesses to make sure your scores improve.

●      ACT Online Prep: If you qualify for ACT fee waiver, which has the same criteria as for the SAT fee waiver, you get access to a personalized online prep. The prep course is similar to Khan Academy’s.

●      Varsity Tutors: A great resource that provides study guides, official SAT/ACT tests and online practice questions.

●      Union Test Prep: Free practice tests, flash cards, and study guides.

●      The Critical Reader provides eight full-length practice SAT tests and tips to prepare for the test’s reading and writing sections.

●      Expanded Horizons College Success: After googling “free SAT prep” for several days, I found this amazing program. It not only offers free SAT prep, but also assists students with the college process. I learned a lot from the community counselors, as well as the other students in my cohort.

●      Big Brother Big Sister: I joined the NYC chapter, and they offered free SAT and ACT prep for us. This program will also match you with a mentor.

●      Princeton Review: Offers free SAT and ACT practice? tests.

●      Let’s Get Ready: Provides free SAT prep for low-income students. I enrolled during the summer of junior year, and it helped improve my score by 100 to 200 points.

Student Advice: “Be on the lookout for discounts at various test prep places like Kaplan. I found discounts online that saved me a few hundred dollars.” — Fahmida Moni, Barnard College

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Applying for College: Final Tips

It’s inevitable that you will have to spend money, but you can minimize the costs.

“Recognize that there is value in spending money because it’s an investment,” says Leung. “You may need to pay for the SAT the third time, but if you do really good, you might get a merit scholarship. In the long run, it’s worth it.”

Additional reporting by Connor Beckett McInerney.