Increasing Burden of Student Loans and Stewarts way out in 2025

Welcome back to Foramz, your go-to place for stories that speak truth, offer comfort, and sometimes, show us another way. In the last episode of student loans, we met Stewart- a dreamer with his heart set on Texas University. But like thousands of students choosing the so-called American Dream, Stewart found himself drowning before even setting sail. The tuition fee? $31,572. The weight is Unbearable. The future is unclear. But does that mean the dream of Stewart ends here?

In the last episode, we met Stewart, a dreamer with his heart set on Texas University. But like thousands of students chasing the so-called American Dream, Stewart found himself drowning before even setting sail. The tuition? $31,572. The weight? Unbearable. The future? Unclear. But Today’s story is different. This is about what happens when the dream evolves and does not die. When you realize that success isn’t always tied to an expensive name tag, but rather, to strategy sanity and sustainability. In this story, we will explore how a dream can come true with changing environments. A dream can easily evolve through life’s problems and worries. This

This is Formaz, and we are looking for moral solutions in he fast-paced world.

The night that Stewart sat scrolling in silence, something in him shifted. The more he read about students choosing alternative routes, the routes that did not involve debt the size of a house mortgage more he wondered, Could he bring his dream to reality without burning down his present financial condition?

So very diligently and with determination, he got to work. Not just on applications, but on research. He discovered that many successful professionals in the U.S. began at community colleges, paying a fraction of the cost and transferred later to finish their degrees at prestigious universities. He thought, why not spend the first two years close to home or in a smaller town, build his GPA, and then transfer to a top-tier university when it counts?

The cost? Less than one-third of the full four-year degree.

Tuition-Free or Low-Fee Nations

Then Stewart looked overseas—but not to the U.S.

Germany, Norway, and even certain Eastern European nations provide tuition-free education to foreign students, with English-language programs.

Yes, it meant getting used to a new culture. But wasn’t that part of the dream as well?

More significantly, it meant no debilitating debt and the opportunity to pursue what he wanted to study.

Another surprised him: how online learning had progressed. No longer was it merely a backup, now some of the largest organizations (Google, Amazon, Meta) have begun accepting skills-based certification from platforms such as Coursera, edX, and even their scholars. He used to think, if it is what you can do that counts, why not acquire skills wisely and cheaply without depleting the nest egg of the house.

What shifted most for Stewart wasn’t so much his educational path. It was his mindset. He no longer perceived the cost of a university as a reflection of his value. He knew that real success isn’t where you attend school—it’s what you choose to do with what you know.

A Message to Students Everywhere

If you’re hearing this feeling anxious, stuck, or embarrassed because you can’t afford your dream school, stop. Is there another way to the same destination? Because the chances are- yes, there is. And it could just save years of debt, stress, and regret. The world is changing. Education is changing. And your future isn’t on one single path. Just like Stewart, you can make smart choices and win differently.

So choose skills and alternative ways rather than being burdened by the pressure of loans and debts. Educate yourself on ways to educate yourself. The statement might sound somewhat contradictory, but it is true. Students are unaware of the possible ways through which one can learn and make a fruitful career. The world is full of opportunities and varied ways of learning a skill. Hence, dive deep into the pool full of learning opportunities and find some ways that will give you favourable results. Results are not just in exams, but the results of a fruitful life.

1. Like Stewart, surf Google and find the course that fits best in your career interest

2. Indulge in the course with active attention and focus

3. Ask for help whenever required

4. Learn as if you are learning for your career and not just to gain the certificate or pass the exam

5. Test yourself on concepts

6. Get the certificate or degree and apply wisely in the practical world.

These were some alternative ways of how to rid yourself of the evil of student loans. If you are someone growing in student loans do not worry because you are not alone. Know that the universe has got a pth for you and that everything will eventually be fine. There are various career opportunities and in the end, you will end up with something that you love doing. If you feel drained or demotivated at any time, then Keep Reading Foramz.