You have only 4 years of college.

So don’t make the mistake of working too much in college and missing out on the special opportunities college affords you.

Also, you will probably earn more per hour after college. E.g., you might be earning $20-50/hour in your career. In college right now how much can you earn? Say $10/hour. College loans are great deal – very low interest rates usually. So borrow money now at low interest rates and pay it back later when you’re getting paid a lot more per hour of working.

Hey, I’m a big fan of working in college, but in hindsight I think I worked too many hours (10-20 on average) and missed out on taking advantage of extra curricular activities at college. So now I would work 5-10 and take some loans out.