Guides / Debt-Free Degree Plan Checklist

Name: ____________________   Date: ____________

Step 1: Define the target

• I named a specific role, not just a field
• I read at least five current job postings for it
• I checked the role in the Occupational Outlook Handbook (bls.gov/ooh)
• I know the minimum credential the role requires

Step 2: Count what I have

• I requested transcripts from every college I attended
• I downloaded my JST, plus my CCAF transcript if I was enlisted Air Force or Space Force
• I listed subjects for possible CLEP or DSST exams
• I listed certifications or licenses that might count

Step 3: Choose my path

• I compared at least three schools, including a community college
• I checked each school's accreditation myself
• I got credit evaluations in writing
• I know the total cost to finish, not just cost per credit
• I know whether I can study online or part time if I move

Step 4: Fund it in the right order

• I checked use it or lose it money first (such as Tuition Assistance, if eligible)
• I filed the FAFSA at studentaid.gov
• I searched state grants, state veteran benefits, and scholarships
• I asked my employer about tuition help
• I decided when to use GI Bill benefits, if I have them (va.gov)
• I will borrow only federal loans, and only what I truly need

My one page plan

Target role and credential:

Credits accepted:

School and backup:

Funding stack, in order:

Pace and estimated finish date:

Checkpoint dates:

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