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Scholarship 1

Cutting Costs In College

College can be daunting, for parents and students alike, when it comes to expenses. Ease your stress by checking out the helpful tips below on how to save money before and during your college career.

1. Stay In-State

No disrespect to out-of-state schools, but staying in-state is generally much more affordable. Schools out-of-state can be twice as expensive just because of their location.

If you are determined to leave the nest (and move 200 miles away) consider a state tuition exchange program. Several states allow non-resident students the opportunity to attend participating out-of-state colleges at the same rate they would pay for an in-state college or university.

2. Rack Up College Credits

If you are still a high school freshman, sophomore, or junior, consider courses that offer college credit in return for course completion. Many universities provide reduced cost dual-enrollment classes to high school students, and many high schools offer Advanced Placement courses that could significantly reduce the number of classes you are required to take before college graduation.

3. Find A Roomie (Or Two)

If you are not required to live in dormitory housing during your first year of college, consider living with a roommate, or, dare we say it, your parents. Yes, you may think your parents are not the coolest people, but you know what else isn't cool? Not having enough money eat. Talk to your parents about this option or start the search for a roommate early.

4. Ditch Your Ride

If you decide to live on campus, take your old bike out of the garage and let it see the light of day. Gas is an extra expense that you can eliminate by walking, skipping, dancing or razor scootering to your classes.

5. Dine In

We know it's hard, but now is the time to learn how to cook and meal plan. A few trips to restaurants can be more expensive than a week's worth of groceries. Our suggestion? Make a healthy veggie lasagna, cut it into portions, and freeze the extras for those days when you're hungry but too tired to cook or ask your mom for her recipe (you know it's the best.)

6. Rent Your Books

Mention the words "I need to purchase an advanced chemistry textbook" around any college graduate, and we promise you will see them shudder. Textbook prices are high, and we recommend you rent them. You still get all the information you need at a much more reasonable price.

Also, check with your professor to make sure the book is required for class and not just suggested reading. You may be allowed to just download helpful guides or share books with another student.

7. Apply For Grants And Scholarships!

Lucky for you, we have a scholarship opportunity available right now! We will be recording scholarship videos tonight at March First Fridays! Stop by the Listerhill tent and answer the question, “How will your education benefit your community?” After you record your video, you will be sent a personal link to our online application. We will be announcing our scholarship winners on listerhill.com in April.


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Frequently Asked Questions

  • How does a cash back credit card work?

    Our cash back credit card gives you a flat rate of 2% back on all of your purchases. It acts as a rebate that you can redeem for cash as a statement credit or direct deposit in your account.

  • How do I receive an incoming wire transfer at Listerhill?

    All incoming wires must be received using Listerhill's routing number of 262277011. The member should use the routing number along with their member number and share ID suffix or their draft number when receiving a wire.

    Wire to:

    Listerhill Credit Union

    4790 E. 2nd Street

    Muscle Shoals, AL 35661

    1-256-383-9204

    ABA No.: 262277011

    For credit to the account of:

    Member's Name:

    Member's Address:

    Member's Account No.:

  • What does it cost to send or receive a wire transfer?

    Incoming Domestic Wire Charge: $20.00

    Outgoing Domestic Wire Charge: $20.00

    Incoming Foreign Wire Charge: $35.00

    We do not process outgoing foreign international wires. We can receive them only.

  • Can I conduct a wire transfer through Listerhill?

    Listerhill is capable of receiving incoming wire transfers and sending outgoing domestic wire transfers. All Branch Managers, Loan Officers, Senior Member Advocates, Member Advocates, and Tellers can provide our members with information needed to receive incoming wire transfers.

    Branch Managers, Member Advocates, and Senior Member Advocates can assist with processing outgoing domestic wires.

    We do not process outgoing foreign international wires. We can receive them only.

  • How do I qualify for membership at Listerhill?

    To qualify for membership with Listerhill, you must meet one of the following requirements:

    • If you live in the states of Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member.
      • Depending on your individual eligibility requirements, we may require membership into an approved association at no cost to you.
    • You can also qualify for membership by being a family member of a current or potential Listerhill member.