In addition to UPromise, mentioned above, you need a conservative investment (CD, Bond, Money Markey) that you contribute all of your salary to. Ask friends and relatives to collect their loose change for you. In exchange, you count it, roll it, and deposit it.

If you are spending $$$ on insurance & gas, think if there are some alternatives for transportation and lowering you auto costs.

Talk to your parents, too. My folks and I never did that. Their gift to me at highschool graduation day was telling me that I was responsible for funding my own college education. Surprise!

Sign up for free, and get friends and relatives to sign up too. Whenever you or any others who have signed up use their registered credit card or savings card with participating merchants, you earn money towards a college account or student loans.

http://all-student-loan-consolidation.blogspot.com/2007/07/scholarships.html

Good luck!

2. Spend less.