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The Best Places to Work Your Way Through College and Avoid Student Loan Debt

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The average cost of a four-year college education was almost five times higher in 2015 than a mere twenty years earlier, making the cost of an education seem out of reach for many. But, the data is clear: someone with a four-year college degree can expect to make $32,000 more a year than a high school graduate, or a whopping $1.4 million over the course of a working life. This forces American students (and their parents) into difficult and confusing decisions about how to approach a college education and what kind of student loans to take on.

It turns out that if you attend a public four-year university in one of these places, the days of working your way through college may not be over, despite common perceptions to the contrary. This is especially true when we consider that many, if not most, students are awarded various grants and scholarships to take the edge off an already (relatively) low in-state tuition.

A summer job doesn’t do it anymore, but a student who works – for minimum wage – about 20 hours a week while school is in session, 40 hours a week when it’s not, and takes a couple of well-deserved weeks off, can avoid student debt by paying off tuition in more places than you think, and may even have something left over for living expenses. Even if you earn enough to pay income taxes, spending your earnings on education can means substantial tax credits and deductions.

If You’re On Your Own…

There’s no question that working to pay your tuition bill is hard enough, but covering the basic costs of living on top of that can seem downright impossible.  If you’re doing it yourself, these areas might offer a workable path to economic security. It takes a lot of work, but students can still pay off that tuition bill and the leftover income will go a lot farther towards necessities.

100 communities were scored on four factors: 1) Average rent compared to the rest of the country, 2) average cost of goods compared to the rest of the country, 3) the amount of average in-state tuition someone could pay off working 1,280 hours a year at minimum wage, and 4) the unemployment rate for people between the ages of 16 and 24 years old. A score of 51 represents the average score of the 100 largest Combined Statistical Areas we reviewed. The highest score is 76, and the lowest is 10.

1 – Springfield, Missouri

At just 7.2 percent, the Springfield-Branson area of Missouri boasts the lowest unemployment rate for young people among all of the communities we examined, and it’s the fifth cheapest place to live (McAllen, Texas is the cheapest, but that only gets it a score of 46, as youth unemployment is significantly higher than other places, state tuition is a touch higher than average, and the minimum wage is the lowest allowable by federal law). You can expect to pay 34 percent less in rent than your friends in the rest of America, and about $1,000 less in tuition. A minimum wage of $7.70 means you won’t have tons of money left over after paying your tuition (a student can earn about 111 percent of his or her full course tuition and fees), but you can buy more with what you do have.

Local public universities include Missouri State University. US News & World Report gives it a Regional Universities Midwest ranking of 106, reports that tuition for the 2017-18 academic year is lower than the state average at $7,060 (not including room and board), and notes admission is selective with an acceptance rate of 86 percent.

2 – St. Louis, Missouri

Both the first and third ranked areas have lower average rents and youth unemployment rates than St. Louis, but a cost of goods that’s seven percent lower than the national average just edges this community to a higher score than Little Rock, Ark. Even so, the rent is an impressive 18 percent lower than the national average, and at 11 percent the youth unemployment rate is still about 13 percent less than the average of the communities we examined. Students can plan to earn about 111 percent of their full course load tuition. It’s also the most metropolitan area to place in the top 10, with a population of almost three million.

The big caveat is that this really only applies to people who live on the western side of the Mississippi River, because the average tuition in Illinois is the fifth highest in the nation at $13,620. Unfortunately, a student would only cover 72 percent of that by working for minimum wage.

Local public colleges and universities for Missouri residents include University of Missouri St. Louis. US News & World Report gives it national ranking of 231-300, reports that tuition and fees for the 2017-18 academic year were $10,275 (not including room and board), and notes that admission is “more selective” with an acceptance rate of 71 percent. At just over half the price, Harris-Stowe State University in St. Louis gets a US News & World Report Regional Colleges Midwest ranking of 62-80, has a reported 2017-18 academic year tuition and fees cost of $5,220 (not including room and board), and admission is designated “least selective” despite an acceptance rate of 55 percent.

3 – Little Rock, Arkansas

A comfortably low average state tuition, combined with a better-than-typical minimum wage of $8.50 (34th highest among the 100 communities we examined), means that students here can hope to have a bit of money left over, since they can earn about 127 percent of their full course load tuition. The cost of goods are four percent lower than the national average and rents that are 29 percent lower, which means that money you work so hard for can go further. The youth unemployment rate of 9.8 percent is also significantly less than our median rate of 12.5 percent. Finally, students also have more options than in some of our other highly scored areas, with three public four-year universities in the area.

Local public universities include the flagship campus of The University of Arkansas-Little Rock. US News & World Report gives it a national ranking of 231-300, reports that tuition for the 2017-18 academic year is $8,401 (not including room and board), and notes admission is “selective” with an acceptance rate of 77 percent. The University of Central Arkansas in Conway gets a Regional Universities South ranking of 72 from US News & World Report, and has a reported tuition for the 2017-18 academic year of $8,524 (not including room and board), and is considered selective with an acceptance rate of 90 percent. US News & World Report gives University of Arkansas-Pine Bluff a Regional Colleges South ranking of 50, reports that tuition for 2017-18 is $7,336, and note admission is less selective with an acceptance rate of 42 percent.

 

If You Live at Home…

Most college bound kids dream of leaving home as soon as they can, but delaying gratification can have a big, long-term payoff if you’re from one of these areas.  Who knows, maybe you even like your parents, or at least all the things they do and buy for you.

Low in-state tuition, youth unemployment rates, and high minimum wages give you the best chance of completely paying off your tuition by working part time while school is in session and full time when it’s not. Statewide, Florida comes out on top, and even expensive places, like the Bay Area, get high scores thanks to higher wages.

These communities are scored on two factors: 1) the amount of average in-state tuition someone could pay off working 1,280 hours a year at minimum wage, and 2) the local unemployment rate for people between the ages of 16 and 24 years old. A score of 51 represents the average score of the 100 largest Combined Statistical Areas we reviewed. The highest score of the communities we examined is 94, and the lowest is nine.

1 – Cape Coral, Florida

2 – Lakeland, Florida

3 – Palm Bay, Florida

The bronze, silver, and gold all go to communities in the Sunshine State. That’s because Florida has a state-wide minimum wage right at the median for all the cities we reviewed and the absolute lowest average in-state tuition. Combine that with the low youth unemployment rates these three cities boast, and we see some A grades. If you were lucky enough to grow up in paradise, sticking around a little longer in the sun and surf isn’t just enticing – it’s the responsible financial choice. In all three places, you can expect to earn about 163 percent of your full course load tuition by working 1,280 hours at minimum wage.  Another bonus?  While Florida’s state universities have selective admissions, every single state college is open admission.

The three communities span the state from east to west, with Cape Coral on the Gulf Coast, Lakeland just east of Tampa, and Palm Bay nestled between extensive nature preserves and the Atlantic Ocean.

Just because you’re in paradise doesn’t mean the cost of living is as high as one might expect, either: the cost of goods is four percent lower than the national average. Cape Coral ticks just over the national average for rent.

In fact, the cost of living is so low in Lakeland, with rents a full 17 percent lower than the national average, it ties for the number five spot on our list of best places to work your way through college if you don’t live at home. In other words, even if your parents ask you to kick in some money for expenses, you should be okay.

Palm Bay comes in at eight percent lower rent than the national average, earning it the number 10 spot on our other list. The hitch is that the nearest public, four-year institution is about 40 miles away in Fort Pierce, but it may be worth it for a 2017-18 academic year tuition of – ready? – $2,640. Heck, you could pay the room and board of $5,700 and still come out better than most American students are paying for in-state tuition alone.

Local public colleges and universities in the Cape Coral-Fort Myers-Naples area include Florida SouthWestern State College (formerly Edison State College) in Fort Myers. US News & World Reports doesn’t give it a ranking, but notes that last year’s tuition was an astoundingly low $3,401. It is “least selective”, with an acceptance rate of 81 percent. Also in Fort Myers is Florida Gulf Coast University, which was awarded a Regional Universities South ranking of 73 by US News & World Report, which reports this year’s tuition and fees (not including room and board) is $6,118, and notes admission is “selective” with an acceptance rate of 56 percent.

Local public colleges and universities in the Lakeland-Winter Haven area include the University of South Florida in nearby Tampa.  US News & World Reports gives it a national ranking of 140, and notes that it is “more selective” with an acceptance rate of 47 percent.  Another option is Polk State College in Winter Haven. US News & World Reports doesn’t give it a ranking, but notes that last year’s tuition was an astoundingly low $3,366. It is “least selective”, and the acceptance rate isn’t available.

Unfortunately, you have to drive a fair distance to reach a public, four-year university near Palm Bay-Melbourne-Titusville, but if that’s doable, the closest schools include Indian River State College in Fort Pierce. US News & World Reports gives it a Regional Colleges South ranking of 60-79, reports that tuition and fees for this year is – just when you thought tuitions couldn’t get any lower — $2,640 (not including room and board). The school is “less selective” and has a 100 percent admission rate. If you’re willing and able to drive fifty miles, the University of Central Florida in Orlando gets a national ranking from US News & World Reports of 171, has a 2017-18 academic year tuition and fees (not including room and board) of $6,368, and is designated “more selective” with a 50 percent admission rate.

4 – San Francisco, California

Everyone knows the Bay Area in general, and San Francisco in particular, is one of the most expensive places in the world, so how can it come in fourth on a list of places where you can work your way through school? This community demonstrates the power of living in an expensive place – as long as someone else can cover your expenses – because higher costs can mean higher wages. San Francisco boasts a minimum wage of $14 and California has an average tuition rate of $9,680 for the current academic year, meaning a student can handily afford that tuition by working part-time during the school year and full-time during the summer. Combine that with a plethora of public schools – including world famous Berkeley – and prospective students might just learn to appreciate living with their parents a little longer. A student can expect to earn 159 percent of a full course load tuition.

Local public universities include one of the nation’s premier public universities, The University of California at Berkeley. US News & World Report gives it a national ranking of 21, reports that tuition for the 2017-18 academic year is higher than the state average at $14,098 (not including room and board), and notes admission is “most selective” with an acceptance rate of only 16 percent. For students who are just looking for something else, San Francisco State University gets a US News & World Report national ranking of 231-300, is actually cheaper than the state average, with a tuition for the 2017-18 academic year of $7,254 (not including room and board), and admission is “less selective”, with an acceptance rate of 68 percent. Other local public colleges and universities include California State University – East Bay in Hayward, and San Jose State University in San Jose.

Special Mention – Seattle, Washington

Seattle-Tacoma placed 13 on our list because its youth unemployment rate was at the median (and just slightly below average) of all the communities we examined. But if your teammate’s cousin’s girlfriend can hook you up with a job in Seattle proper, this community offers the best potential to cover tuition while working minimum wage of any community we rated.

You may remember when Seattle made headlines as the first place in America to raise minimum wage to $15 an hour, allowing locals to earn dramatically more than their peers around the country. With an average state school tuition of $9,480 (just under the nation’s median average in-state tuition of $9,580), working students can earn an amazing 203 percent of their full course load tuition costs… As long as they don’t have to pay their own living expenses. Despite the high minimum wage, Seattle didn’t fare well on our other list (ranking 81 out of 100), thanks to a high cost of living. Residents can expect to pay 26 percent more in rent than the average American, and even seven percent more for they stuff they buy.

Local public universities include the flagship campus of The University of Washington. US News & World Report gives it a national ranking of 56, reports tuition for the 2017-18 academic year is $10,974 (not including room and board), and notes admission is “selective” with an acceptance rate of 45 percent.

 

What’s the National Picture?

Compare where you live (or plan to live) to the averages and medians of the 100 Combined Statistical Areas we examined.

Working your way through school scores (Living on your own)

Metro

Score

Rent vs National Avg.

Cost of Goods vs National Avg.

Avg. In-State Tuition

Minimum Wage

Unemployment Rate
(Age 16-24)

% of Tuition Covered by Work

Albany, N.Y.

42

2%

-4%

$7,940

$9.70

13.5%

156%

Albuquerque, N.M.

65

-8%

-5%

$6,920

$8.50

13.0%

157%

Atlanta, Ga.

45

-10%

-4%

$8,570

$7.25

11.5%

108%

Augusta, Ga.

56

-32%

-5%

$8,570

$7.25

17.2%

108%

Austin, Texas

40

13%

-4%

$9,840

$7.25

10.8%

94%

Bakersfield, Calif.

53

-8%

-5%

$9,680

$10.50

19.0%

139%

Baton Rouge, La.

50

-16%

-5%

$9,300

$7.25

15.1%

100%

Birmingham, Ala.

47

-32%

-5%

$10,530

$7.25

15.3%

88%

Boise City, Idaho

65

-20%

-5%

$7,250

$7.25

13.4%

128%

Boston, Mass.

37

25%

-1%

$12,730

$11.00

11.0%

111%

Buffalo, N.Y.

66

-23%

-4%

$7,940

$9.70

10.3%

156%

Cape Coral, Fla.

65

1%

-4%

$6,360

$8.10

9.3%

163%

Charleston, W.Va.

66

-42%

-4%

$7,890

$8.75

14.7%

142%

Charleston, S.C.

31

-5%

-4%

$12,610

$7.25

13.8%

74%

Charlotte, N.C.

56

-16%

-5%

$7,380

$7.25

13.9%

126%

Chattanooga, Tenn.

62

-31%

-6%

$9,790

$7.25

13.9%

95%

Chicago, Ill.

23

13%

0%

$13,620

$11.00

14.2%

103%

Cincinnati, Ohio

69

-22%

-9%

$10,510

$8.15

11.3%

99%

Cleveland, Ohio

67

-24%

-6%

$10,510

$8.15

12.3%

99%

Colorado Springs, Colo.

43

3%

-5%

$10,800

$9.30

15.4%

110%

Columbia, S.C.

41

-22%

-5%

$12,610

$7.25

15.4%

74%

Columbus, Ohio

52

-18%

-4%

$10,510

$8.15

12.0%

99%

Corpus Christi, Texas

42

-16%

-4%

$9,840

$7.25

14.3%

94%

Dallas, Texas

39

0%

-4%

$9,840

$7.25

10.6%

94%

Dayton, Ohio

48

-30%

-4%

$10,510

$8.15

13.3%

99%

Denver, Colo.

41

21%

0%

$10,800

$9.30

9.3%

110%

Des Moines, Iowa

71

-10%

-6%

$8,760

$7.25

8.1%

106%

Detroit, Mich.

23

-13%

-3%

$12,930

$8.90

14.9%

88%

El Paso, Texas

48

-28%

-5%

$9,840

$7.25

14.6%

94%

Fayetteville, N.C.

53

-23%

-5%

$7,380

$7.25

19.5%

126%

Fort Wayne, Ind.

62

-31%

-4%

$9,360

$7.25

9.0%

99%

Fresno, Calif.

55

-11%

-5%

$9,680

$10.50

17.7%

139%

Grand Rapids, Mich.

51

-17%

-4%

$12,930

$8.90

11.1%

88%

Greensboro, N.C.

63

-30%

-4%

$7,380

$7.25

12.7%

126%

Greenville, S.C.

58

-31%

-4%

$12,610

$7.25

11.0%

74%

Harrisburg, Pa.

35

-14%

-4%

$14,440

$7.25

11.9%

64%

Hartford, Conn.

30

7%

-3%

$12,390

$10.10

13.2%

104%

Houston, Texas

39

0%

-5%

$9,840

$7.25

14.3%

94%

Huntsville, Ala.

54

-35%

-4%

$10,530

$7.25

12.4%

88%

Indianapolis, Ind.

51

-20%

-4%

$9,360

$7.25

11.1%

99%

Jackson, Miss.

55

-28%

-5%

$7,990

$7.25

17.6%

116%

Jacksonville, Fla.

57

-6%

-4%

$6,360

$8.10

12.6%

163%

Kalamazoo, Mich.

52

-24%

-4%

$12,930

$8.90

10.0%

88%

Kansas City, Mo.

72

-19%

-5%

$8,870

$7.70

9.5%

111%

Knoxville, Tenn.

72

-32%

-6%

$9,790

$7.25

11.0%

95%

Lafayette, La.

57

-31%

-5%

$9,300

$7.25

16.2%

100%

Lakeland, Fla.

72

-17%

-4%

$6,360

$8.10

10.2%

163%

Lansing, Mich.

31

-17%

-4%

$12,930

$8.90

15.0%

88%

Las Vegas, Nev.

64

-5%

-5%

$7,270

$8.25

12.5%

145%

Lexington,Ky.

51

-23%

-4%

$10,300

$7.25

11.5%

90%

Little Rock, Ark.

73

-29%

-4%

$8,550

$8.50

9.8%

127%

Los Angeles, Calif.

30

51%

2%

$9,680

$12.00

14.5%

159%

Louisville, Ky.

60

-25%

-5%

$10,300

$7.25

11.6%

90%

Madison, Wis.

56

2%

-4%

$8,960

$7.25

8.1%

104%

McAllen, Texas

46

-42%

-4%

$9,840

$7.25

16.3%

94%

Memphis, Tenn.

47

-24%

-4%

$9,790

$7.25

14.5%

95%

Miami, Fla.

42

24%

-2%

$6,360

$8.10

12.6%

163%

Milwaukee, Wis.

65

-7%

-6%

$8,960

$7.25

10.1%

104%

Minneapolis, Minn.

42

6%

2%

$11,300

$9.50

7.6%

108%

Mobile, Ala.

59

-31%

-4%

$10,530

$7.25

10.1%

88%

Modesto, Calif.

53

-10%

-5%

$9,680

$10.50

21.6%

139%

Nashville, Tenn.

60

-14%

-5%

$9,790

$7.25

8.1%

95%

New Orleans, La.

47

-9%

-5%

$9,300

$7.25

14.4%

100%

New York, N.Y.

34

48%

7%

$7,940

$11.00

14.1%

177%

North Port, Fla.

54

5%

-4%

$6,360

$8.10

12.4%

163%

Oklahoma City, Okla.

60

-22%

-4%

$8,460

$7.25

11.7%

110%

Omaha, Neb.

65

-16%

-4%

$8,270

$9.00

9.1%

139%

Orlando, Fla.

67

-1%

-5%

$6,360

$8.10

11.9%

163%

Palm Bay, Fla.

67

-8%

-4%

$6,360

$8.10

10.3%

163%

Philadelphia, Pa.

10

7%

0%

$14,440

$7.25

15.2%

64%

Phoenix, Ariz.

43

-5%

-4%

$11,220

$10.00

11.7%

114%

Pittsburgh, Pa.

38

-24%

-4%

$14,440

$7.25

12.3%

64%

Portland, Maine

50

3%

-3%

$9,970

$10.68

8.5%

137%

Portland, Ore.

42

6%

-3%

$10,360

$10.25

11.2%

127%

Raleigh, N.C.

55

-7%

-4%

$7,380

$7.25

11.3%

126%

Reno, Nev.

55

-3%

-5%

$7,270

$8.25

13.7%

145%

Richmond, Va.

27

-4%

-4%

$12,820

$7.25

15.1%

72%

Rochester, N.Y.

57

-7%

-4%

$7,940

$9.70

10.6%

156%

Sacramento, Calif.

55

14%

-5%

$9,680

$10.50

13.3%

139%

Salt Lake City, Utah

71

-6%

-5%

$6,790

$7.25

7.6%

137%

San Antonio, Texas

54

-11%

-5%

$9,840

$7.25

10.9%

94%

San Diego, Calif.

34

63%

0%

$9,680

$11.50

12.8%

152%

San Francisco, Calif.

44

74%

6%

$9,680

$12.00

10.3%

159%

Savannah, Ga.

50

-14%

-5%

$8,570

$7.25

19.4%

108%

Seattle, Wash.

40

26%

5%

$9,480

$15.00

12.5%

203%

South Bend, Ind.

54

-30%

-4%

$9,360

$7.25

12.6%

99%

Spokane, Wash.

66

-17%

-5%

$9,480

$11.00

12.2%

149%

Springfield, Mo.

76

-34%

-4%

$8,870

$7.70

7.2%

111%

Springfield, Mass.

35

-8%

-4%

$12,730

$11.00

14.7%

111%

St. Louis, Mo.

74

-18%

-7%

$8,870

$7.70

11.0%

111%

Syracuse, N.Y.

56

-14%

-4%

$7,940

$9.70

11.9%

156%

Tampa, Fla.

45

1%

-4%

$6,360

$8.10

13.8%

163%

Toledo, Ohio

46

-34%

-4%

$10,510

$8.15

14.7%

99%

Tucson, Ariz.

52

-12%

-5%

$11,220

$10.00

17.6%

114%

Tulsa, Okla.

54

-26%

-4%

$8,460

$7.25

14.5%

110%

Virginia Beach, Va.

29

4%

-4%

$12,820

$7.25

13.3%

72%

Visalia, Calif.

56

-18%

-5%

$9,680

$10.50

17.1%

139%

Washington, D.C.

38

46%

2%

$9,580

$12.50

12.7%

167%

Wichita, Kan.

60

-28%

-4%

$9,230

$7.25

10.5%

101%

Youngstown, Ohio

51

-40%

-4%

$10,510

$8.15

13.3%

99%

Average of 100 Examined CSAs

51

-10%

-4%

$9,644

$8.46

12.7%

117%

Working your way through school scores (Living at home)

Metro

Score

Avg. In-State Tuition

Minimum Wage

Unemployment Rate (Age 16-24)

% of Tuition Covered by Work

Albany, N.Y.

62

$7,940

$9.70

13.5%

156%

Albuquerque, N.M.

66

$6,920

$8.50

13.0%

157%

Atlanta, Ga.

58

$8,570

$7.25

11.5%

108%

Augusta, Ga.

29

$8,570

$7.25

17.2%

108%

Austin, Texas

51

$9,840

$7.25

10.8%

94%

Bakersfield, Calif.

40

$9,680

$10.50

19.0%

139%

Baton Rouge, La.

29

$9,300

$7.25

15.1%

100%

Birmingham, Ala.

15

$10,530

$7.25

15.3%

88%

Boise City, Idaho

54

$7,250

$7.25

13.4%

128%

Boston, Mass.

65

$12,730

$11.00

11.0%

111%

Buffalo, N.Y.

84

$7,940

$9.70

10.3%

156%

Cape Coral, Fla.

94

$6,360

$8.10

9.3%

163%

Charleston, W.Va.

50

$7,890

$8.75

14.7%

142%

Charleston, S.C.

22

$12,610

$7.25

13.8%

74%

Charlotte, N.C.

50

$7,380

$7.25

13.9%

126%

Chattanooga, Tenn.

31

$9,790

$7.25

13.9%

95%

Chicago, Ill.

36

$13,620

$11.00

14.2%

103%

Cincinnati, Ohio

52

$10,510

$8.15

11.3%

99%

Cleveland, Ohio

47

$10,510

$8.15

12.3%

99%

Colorado Springs, Colo.

33

$10,800

$9.30

15.4%

110%

Columbia, S.C.

11

$12,610

$7.25

15.4%

74%

Columbus, Ohio

48

$10,510

$8.15

12.0%

99%

Corpus Christi, Texas

27

$9,840

$7.25

14.3%

94%

Dallas, Texas

51

$9,840

$7.25

10.6%

94%

Dayton, Ohio

38

$10,510

$8.15

13.3%

99%

Denver, Colo.

72

$10,800

$9.30

9.3%

110%

Des Moines, Iowa

71

$8,760

$7.25

8.1%

106%

Detroit, Mich.

16

$12,930

$8.90

14.9%

88%

El Paso, Texas

24

$9,840

$7.25

14.6%

94%

Fayetteville, N.C.

34

$7,380

$7.25

19.5%

126%

Fort Wayne, Ind.

62

$9,360

$7.25

9.0%

99%

Fresno, Calif.

41

$9,680

$10.50

17.7%

139%

Grand Rapids, Mich.

41

$12,930

$8.90

11.1%

88%

Greensboro,N.C.

57

$7,380

$7.25

12.7%

126%

Greenville, S.C.

40

$12,610

$7.25

11.0%

74%

Harrisburg, Pa.

31

$14,440

$7.25

11.9%

64%

Hartford, Conn.

44

$12,390

$10.10

13.2%

104%

Houston, Texas

26

$9,840

$7.25

14.3%

94%

Huntsville, Ala.

34

$10,530

$7.25

12.4%

88%

Indianapolis, Ind.

51

$9,360

$7.25

11.1%

99%

Jackson, Miss.

34

$7,990

$7.25

17.6%

116%

Jacksonville, Fla.

73

$6,360

$8.10

12.6%

163%

Kalamazoo, Mich.

50

$12,930

$8.90

10.0%

88%

Kansas City, Mo.

74

$8,870

$7.70

9.5%

111%

Knoxville, Tenn.

52

$9,790

$7.25

11.0%

95%

Lafayette, La.

26

$9,300

$7.25

16.2%

100%

Lakeland, Fla.

91

$6,360

$8.10

10.2%

163%

Lansing, Mich.

15

$12,930

$8.90

15.0%

88%

Las Vegas, Nev.

66

$7,270

$8.25

12.5%

145%

Lexington, Ky.

41

$10,300

$7.25

11.5%

90%

Little Rock, Ark.

78

$8,550

$8.50

9.8%

127%

Los Angeles, Calif.

57

$9,680

$12.00

14.5%

159%

Louisville, Ky.

41

$10,300

$7.25

11.6%

90%

Madison, Wis.

71

$8,960

$7.25

8.1%

104%

McAllen, Texas

17

$9,840

$7.25

16.3%

94%

Memphis, Tenn.

27

$9,790

$7.25

14.5%

95%

Miami, Fla.

73

$6,360

$8.10

12.6%

163%

Milwaukee, Wis.

65

$8,960

$7.25

10.1%

104%

Minneapolis, Minn.

73

$11,300

$9.50

7.6%

108%

Mobile, Ala.

51

$10,530

$7.25

10.1%

88%

Modesto, Calif.

39

$9,680

$10.50

21.6%

139%

Nashville, Tenn.

62

$9,790

$7.25

8.1%

95%

New Orleans, La.

34

$9,300

$7.25

14.4%

100%

New York, N.Y.

65

$7,940

$11.00

14.1%

177%

North Port, Fla.

76

$6,360

$8.10

12.4%

163%

Oklahoma City, Okla.

57

$8,460

$7.25

11.7%

110%

Omaha, Neb.

85

$8,270

$9.00

9.1%

139%

Orlando, Fla.

79

$6,360

$8.10

11.9%

163%

Palm Bay, Fla.

90

$6,360

$8.10

10.3%

163%

Philadelphia, Pa.

9

$14,440

$7.25

15.2%

64%

Phoenix, Ariz.

62

$11,220

$10.00

11.7%

114%

Pittsburgh, Pa.

29

$14,440

$7.25

12.3%

64%

Portland, Maine

83

$9,970

$10.68

8.5%

137%

Portland, Ore.

68

$10,360

$10.25

11.2%

127%

Raleigh, N.C.

67

$7,380

$7.25

11.3%

126%

Reno, Nev.

58

$7,270

$8.25

13.7%

145%

Richmond, Va.

11

$12,820

$7.25

15.1%

72%

Rochester, N.Y.

83

$7,940

$9.70

10.6%

156%

Sacramento, Calif.

59

$9,680

$10.50

13.3%

139%

Salt Lake City, Utah

84

$6,790

$7.25

7.6%

137%

San Antonio, Texas

50

$9,840

$7.25

10.9%

94%

San Diego, Calif.

64

$9,680

$11.50

12.8%

152%

San Francisco, Calif.

86

$9,680

$12.00

10.3%

159%

Savannah, Ga.

27

$8,570

$7.25

19.4%

108%

Seattle, Wash.

76

$9,480

$15.00

12.5%

203%

South Bend, Ind.

41

$9,360

$7.25

12.6%

99%

Spokane, Wash.

69

$9,480

$11.00

12.2%

149%

Springfield, Mo.

80

$8,870

$7.70

7.2%

111%

Springfield, Mass.

38

$12,730

$11.00

14.7%

111%

St. Louis, Mo.

66

$8,870

$7.70

11.0%

111%

Syracuse, N.Y.

73

$7,940

$9.70

11.9%

156%

Tampa, Fla.

66

$6,360

$8.10

13.8%

163%

Toledo, Ohio

29

$10,510

$8.15

14.7%

99%

Tucson, Ariz.

34

$11,220

$10.00

17.6%

114%

Tulsa, Okla.

39

$8,460

$7.25

14.5%

110%

Virginia Beach, Va.

23

$12,820

$7.25

13.3%

72%

Visalia, Calif.

43

$9,680

$10.50

17.1%

139%

Washington, D.C.

72

$9,580

$12.50

12.7%

167%

Wichita, Kan.

61

$9,230

$7.25

10.5%

101%

Youngstown, Ohio

40

$10,510

$8.15

13.3%

99%

Average of 100 Examined CSAs

51

$9,644

$8.46

12.7%

117%

Methodology:

For “On Your Own”, the top 100 Combined Statistical Areas by population were ranked against all examined CSAs according to the following characteristics:

  • Percentage of average in-state tuition a student could expect to pay working 1,280 hours a year at minimum wage. ((1,280 x [local minimum wage]) / [average in-state tuition])
  • Unemployment rate for the population aged 16 – 24
  • Average rent price parity
  • Average goods price parity

The score is sum of all ranked parts (equally weighted) divided by four, for a total possible score of 100 and a lowest possible score of four, and then rounded to the nearest integer. Final rankings are determined by the sum of all ranked parts, prior to division by four.

For “Living at Home”, the top 100 Combined Statistical Areas by population were ranked against all examined CSAs according to the following characteristics:

  • Percentage of average in-state tuition a student could expect to pay working 1,280 hours a year at minimum wage. ((1,280 x [local minimum wage]) / [average in-state tuition])
  • Unemployment rate for the population aged 16 – 24

The score is sum of all ranked parts (equally weighted) divided by two, for a total possible score of 100 and a lowest possible score of two, and then rounded to the nearest integer. Final rankings are determined by the sum of all ranked parts, prior to division by two.

Notes: Average rent and average cost of goods are the weighted (by youth population, ages 16-24) averages of those averages within component MSAs. Where there were multiple tuitions or/and minimum wages within a CSA, the lead city or state was used, except for the San Jose-San Francisco-Oakland, CA CSA, where the minimum wage for San Francisco was used. The youth unemployment rate was calculated on the CSA level as the total unemployed population aged 16-24 divided by the total civilian population aged 16-24 in the labor force.

We assume that our hypothetical students would have at least 100 percent of their federal taxes refunded, but recognize that personal and family circumstances differ, and there may be substantial changes to tax policy.

References:

  1. “Figure 6: 2017-18 Tuition and Fees at Public Four-Year Institutions by State and Five-Year Percentage Change in In-State Tuition and Fees,” CollegeBoard, October 2017. Available at: https://trends.collegeboard.org/college-pricing/figures-tables/2017-18-state-tuition-and-fees-public-four-year-institutions-state-and-five-year-percentage (retrieved November 27, 2017).
  2. American FactFinder Community Survey, US Department of Census, 2016.
  3. “State Minimum Wages / 2017 Minimum Wage by State,” National Conference of State Legislatures, January 5, 2017. Available at: http://www.ncsl.org/research/labor-and-employment/state-minimum-wage-chart.aspx (retrieved November 27, 2017).
  4. “Inventory of US City and County Minimum Wage Ordinances”, UC Berkeley Labor Center, November 16, 2017. Available at: http://laborcenter.berkeley.edu/minimum-wage-living-wage-resources/inventory-of-us-city-and-county-minimum-wage-ordinances/ (retrieved November 27, 2017).
  5. Table 6. Regional Price Parities by Metropolitan Area, 2015, “Real Personal Income for States and Metropolitan Areas, 2015”, Bureau of Economic Analysis, June 22, 2017. Available at: https://www.bea.gov/newsreleases/regional/rpp/2017/pdf/rpp0617.pdf (retrieved November 27, 2017).
  6. “Tuition costs of colleges and universities”, National Center for Education Statistics Fast Facts. Available at: https://nces.ed.gov/fastfacts/display.asp?id=76 (retrieved November 27, 2017).
  7. Philip Trostel, “Beyond the College Earnings Premium. Way Beyond.”, The Chronicle of Higher Education, January 29, 2017. Available at: https://www.chronicle.com/article/Beyond-the-College-Earnings/239013 (retrieved November 27, 2017).
  8. “Upcoming Minimum Wage Increases”, New York State Department of Labor. Available at: https://labor.ny.gov/workerprotection/laborstandards/workprot/minwage.shtm (retrieved November 27, 2017).
  9. “Best Colleges” rankings, US News & World Report. Available at https://www.usnews.com/best-colleges (retrieved December 5, 2017).

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6 Budget-Friendly Places to Put On Your 2019 Travel List – Domestic Edition

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

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If one of your resolutions for 2019 is to travel more, but you fear that finances will hold you back, have a little hope: there are plenty of destinations across the country that are still very affordable to visit. As fun as major tourist destinations like San Francisco and New York City are, let’s be honest — accommodation alone can cost a fortune.

When you’re on a tight budget, it’s easier to make travel a reality when you choose lesser-known locations where the cost of activities and lodging are still reasonable. If you’re willing to make a budget in advance to ensure you’re regularly setting aside money for travel, you’ll be able to hit the road even sooner.

Another way to make vacations more affordable is to get a travel credit card, said Deidre Mathis, a budget travel expert and writer, and owner of Wanderstay Hostel in Houston. If you get a travel rewards card and use it for your everyday purchases, such as gas, your car payment or groceries, and pay it off right away, you’ll quickly earn points without accruing any debt. Depending on the card you choose, you could earn free hotel stays, free car rentals or free flights.

Now you just need to figure out where to go. We spoke to several budget travel experts to find out the best places in the U.S. you can cheaply travel to in 2019. Here are their six top destinations that are still somewhat off-the-beaten-path and won’t break the bank. (All hotel prices are from Kayak.com and accurate at the time of publication.)

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Albuquerque, New Mexico  

Cost of accommodations: Throughout the year, you can get a three-star hotel room for about $85 to $100. If you’re willing to stay at a one- or two-star motel, you can nab a room for around $40 to $50 per night.

Why go: Albuquerque is one of the top spots Mathis said she’s eyeing for 2019, in large part because it’s such a friendly spot for budget travelers. It’s also known for its distinct Southwestern feel and sunny weather. If you love the outdoors, Albuquerque is brimming with scenic hiking and bike trails that range in cost from free to only about $20 to use, making it an affordable way to explore the beautiful terrain.

There are also several museums in Albuquerque, and plenty of shopping if you’re on the hunt for Southwestern-style art, jewelry or souvenirs. Just west of the city, you’ll find the Petroglyph National Monument, where you can view ancient lava flows, petrified wood and rock drawings by Native Americans and Spanish settlers, dating back as far as 700 years ago. It’s free to enter, and parking is only $1 on weekdays and $2 on weekends.

It’s also typically affordable to fly into and stay in Albuquerque — according to Mathis, “they have tons of small hotels that will be a better price than the big chain hotels, and they give you a more local feel,” Southwest offers nonstop flights from many cities to Albuquerque, she added; for example, she recently saw nonstop flights in February from Houston to Albuquerque for $250, which she says is a great deal.

“To me, a budget trip is anywhere I can go for less than $500 with flight and hotel included for the weekend,” Mathis said, “and with Albuquerque, you can definitely do that.”

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Bloomington, Indiana

Cost of accommodations: A three-star hotel room is available for as low as about $80 per night, while some two-star motels offer rooms as cheap as about $50 per night.

Why go: “I have a passion for college towns — I find they often are more progressive and innovative than their larger neighbors — and Bloomington is one that makes me swoon,” said Kristin Luna, a budget-minded travel journalist and founder of the travel blog CamelsandChocolate.com. Not to be confused with Bloomington, Ill., this town is about an hour’s drive from Indianapolis, which is typically the cheapest airport to fly into, according to Luna.

“It’s also located in proximity to so many great outdoor attractions such as Monroe Lake, Amy Weingartner Branigin Peninsula Preserve and Hoosier National Forest,” Luna explained.  “Another free and unique offering is the Tibetan Mongolian Buddhist Cultural Center, which was started in Bloomington in 1979 by an exile named Thubten Jigme Norbu, to protect the heritage of Buddhism,” she added.

Luna also noted that since it’s a college town, Bloomington has plenty of seasonal activities, such as Indiana University football in the fall or the city’s long-standing Little 500 bike race in the spring. She added that Bloomington has an ever-expanding greenway called “the B-line” that cuts through town and is extremely bike-friendly, though the town is also easy to navigate with the newly-popular electric scooters.

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Fargo, North Dakota

Cost of accommodations: It’s possible to grab a two-star motel room in Fargo for less than $50 per night. The average nightly rate for a three-star hotel here is around $90.

Why go: Fargo may be famous for the Coen Brothers’ cult classic film, but it’s also a great up-and-coming destination for budget travelers seeking something off the beaten path. Mathis said North Dakota is on Mathis’ radar for next year, and it’s especially an ideal destination for travelers who love nature. North Dakota has ample opportunities for hiking, biking, boating, camping, fishing, horseback riding and just about any other outdoor activity you can think of.

Fargo and many other towns in North Dakota are also known for charming small-town bars, where you can get a true feel for the city, noted Mathis. There are also a few small breweries in Fargo, in addition to great shopping.

The town also has cultural institutions, including art museums, an air museum and a historic theater. A few minutes away, just across the river and the Minnesota border, you can visit the Hjemkomst Center for only $10, where you can see a replica of a viking ship and a “Stave Church,” a replica of a Norwegian church from the 1100s. And of course, you can see the infamous wood chipper from “Fargo” the movie; it’s free to see the original movie prop, located in the city’s visitor center.

Fargo is growing, but it’s still not a well-known tourist destination, Mathis noted, so it’s affordable, uncrowded, and still feels very authentic.

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Knoxville, Tennessee

Cost of accommodations: Budget travelers can find two-star motels in Knoxville for as low as around $50 per night, and three-star hotel rooms for around $80 per night.

Why go: “I grew up just south of Nashville, but if we’re being honest, I would live in Knoxville if I had the choice,” Luna said. “Like many mid-sized cities across the United States, it has a booming brew scene, a dedication to the arts and a sprawling town square that has been completely revitalized from when I was a student there 15 years ago and almost all the storefronts were boarded up.”

As Luna noted, The Old City, Fourth & Gill and Market Square neighborhoods have all undergone major makeovers, which has brought life and investment into these areas. But despite its growth, Knoxville is still a very affordable place to visit.

“Free attractions such as Ijams Nature Center and its quarries, and many hiking and mountain-biking trails connecting to the nearby Smokies, make Knoxville a popular destination among budget travelers who like adventure,” Luna explained. She added that whiskey lovers will enjoy that two Tennessee Whiskey Trail stops are located in downtown Knoxville (Knox Whiskey Works and Post Modern Spirits), and there are several others only a half-hour drive away.

Knoxville also has plenty of museums, memorials and parks that cost nothing to visit. There are also many walking and driving tours that are also totally free — you can take a walking tour to learn about country music, a driving tour to learn about the civil war and much more.

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Oklahoma City, Oklahoma

Cost of accommodations: You can get a motel room for as little as $30 to $45 per night in Oklahoma City. If you’re looking for a step up, three-star hotels average just under $100 per night, but can be as little as about $45.

Why go: As a centrally-located city, flights from hubs like Dallas or Denver to Oklahoma City are cheap, according to Luna. Plus, she added, as a mid-sized metropolis, Luna has found there’s virtually no traffic, and boutique hotels and parking that won’t break the bank.

“The food and drink scene is positively booming — Bon Appetit even picked America’s best new restaurant of the year from OKC,” Luna said. “In fact, one of the nation’s first brewery hotels is set to debut in 2020.” She added that a new streetcar launched in the city in December, which makes it really convenient for tourists to get around town. The city has also spearheaded other improvement projects, noted Luna, such as “the Boathouse District, an amazing attraction for visitors that includes an urban whitewater rafting course, canoeing and kayaking on the river, ziplining and a whole lot more.” On top of that, she has noticed that the locals there are some of the friendliest, most hospitable folks she’s ever met.

Another popular area in Oklahoma City is Bricktown, a fun entertainment district where old warehouses have been turned into restaurants, shops, piano lounges and wine bars. There’s even a water taxi that can take you on a tour along the Bricktown Canal.

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Oxford, Mississippi

Cost of accommodations: You can land a three-star hotel for around $90 per night, or one- and two-star hotel and motel options for only $45 to $75.

Why go: “While many people have a negative connotation about Mississippi — and yes, it’s a little complicated politically — I think it’s one of the most underrated and underappreciated states,” said Matt Kepnes, who writes the popular budget travel blog Nomadic Matt and authored the book “How to Travel the World on $50 a Day.”.

According to Kepnes, the state is rife with rich history, the people are friendly and the Southern food is fantastic. Oxford is home to the campus of the University of Mississippi (known as “Ole Miss”), described by Kepnes as a beautiful (and free) place to explore. Right across from campus is Rowan Oak, former home of famed writer William Faulkner, which costs only $5 to visit.

If you want to take a road trip across the state, there’s plenty to see, according to Kepnes — and it’s all easy on a budget. A trip through the Mississippi Delta delivers a journey through incredible blues music, and he noted that it’s also worth a stop in the beautiful city of Natchez. Kepnes also loves the coastal town of Biloxi, which has great seafood, a beautiful beach and many casinos with very affordable hotel rooms. The Natchez Trace Parkway, a historic national park trail that goes up through Mississippi, is also worth a visit. It’s 444 miles long — it also passes through Alabama and into Tennessee, ending close to Nashville — and takes you along gorgeous drives.

“I was really surprised by how much I enjoyed Mississippi,” Kepnes said. “I know some other travel writers who didn’t want to go, but once they did, they were surprised by how much they liked it.”

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6 Budget-Friendly Places to Put On Your 2019 Travel List – International Edition

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

best airline credit cards
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Do you have dreams of collecting passport stamps but fear international travel is beyond your budget? You might be surprised what you can afford with some smart strategies.

If you’re willing to spend time budgeting and saving, stay in hostels and visit destinations that are off the beaten path — and therefore less expensive — it’s easy to travel internationally on a shoestring.

Another way to lesson the cost of travel is to regularly use travel credit cards. Deidre Mathis, a budget travel expert and writer, and owner of Wanderstay Hostel in Houston, said she uses her Delta credit card for everyday essentials, then pays it off right away. “I was able accumulate enough points to book a flight to go to Spain next year for free. This was just from using my credit card to pay for things I would have bought anyway,” Mathis said.

“Of course, if there’s an annual fee, you have to look into it and see if it makes sense,” Mathis explained. “For this card, it does make sense, because a normal flight to Spain from Houston can range from $900 to $1400, so an annual fee of $200 is totally worth it because I got the free flight.” If a long-haul flight is your main budgetary concern, racking up points on a travel credit card could be your ticket to ride. Plus, many travel credit cards offer huge sign-up bonuses that start you off with a large balance of reward points.

Now, where to go with all those points? We interviewed several budget travel experts to find out which countries are best for budget travelers. If you’re resolved to travel more in 2019, here are six of the most interesting and affordable spots around the globe. (All hostel prices come from Hostelworld.com, are presented in U.S. dollars and are accurate at time of publication.)

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Argentina

Cost of accommodations: The average price for a night at a hostel in Buenos Aires is an affordable $17.47. The average price of hostels in most other cities are only $10 to $20 per night, though there are some outliers, like Cordoba at $9.67 or El Calafate at $51.09.

Why go: “There’s never been a better time to visit Argentina,” said Johnny Ward, an entrepreneur who runs the hugely successful travel blog OneStep4Ward. Originally from Ireland, Ward currently lives in Thailand, and through savvy budget traveling, has visited every country on earth (seriously, he’s been to all 197). “Unfortunately, their economy is struggling a touch, but that means it’s a very cheap time to visit and explore,” Ward said.

He adds that long-distance buses in the country are like business class flights, with glasses of Malbec starting around $1 a pop. With a great bus system, it’s easy to explore the country, which has vibrant cities like Buenos Aires, in addition to areas of natural wonder, such as Patagonia.

To experience the best of Argentina on a budget, Ward suggests flying in and out of Buenos Aires. “Then, bus up to Iguazu Falls and back to Buenos Aires,” he said, “before getting those hiking boots dusted off and exploring majestic Patagonia, with Bariloche and El Calafate particular highlights.”

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Bulgaria

Cost of accommodations: Of the most popular cities, hostels are cheapest in Sofia, Bulgaria’s capital, with an average price per night of $6.99. Bansko is the most expensive, at an average of $18.82 per night.

Why go: “Bulgaria is not often picked on top travel lists, but it’s a great country for budget travelers because it’s inexpensive and it’s not on the euro,” said Matt Kepnes, blogger behind the popular budget travel blog Nomadic Matt and author of the book “How to Travel the World on $50 a Day.”

According to Kepnes, Bulgaria has plenty of rich history, the beautiful Black Sea, delicious Mediterranean-style cuisine, friendly people and plenty of mountains ideal for hiking. “Plus, it’s sort of off the beaten path, so you won’t find the huge crowds of Prague when you’re going to Sofia,” he added. “And it’s affordable; as a backpacker, you can get by on around $35 a day. If you’re traveling on a slightly larger budget, you can get by pretty comfortably for $50-$60 day doing anything you wanted, eating anything you wanted and staying in an Airbnb or cheap hotel.”

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Iceland

Cost of accommodations: Hostels in Reykjavik are around $84 per night on average, but in most other cities, the average prices are closer to $30 to $50 per night.

Why go: While travel to Iceland has surged in popularity in recent years, it can still be an affordable place to visit if you know how to do it right, Mathis said. Known for its otherworldly landscapes and jaw-dropping geysers, waterfalls and lagoons, it’s the perfect place for outdoors-lovers (and adventurous eaters — fermented shark, anyone?).

Flights are often the greatest expense of an international trip, but not in this case: Mathis recommended looking at WOW Air, a budget airline that offers flights to Iceland from major U.S. cities for as little as $100 to $200 round-trip, on which Mathis was able to score a $200 flight. “Though Iceland isn’t super cheap once you get there, getting there is incredibly cheap, so it gives you more flexibility to use that money for something else,” she explained.

In addition to hostels, Mathis noted that the country has many Airbnbs that help you save money, as compared to a hotel. The other trick to budget travel in Iceland is to avoid public transportation, which is very expensive — “just rent a car and drive that for the time there, and you’ll save a lot of money on transportation,” she recommended.

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Macedonia

Cost of accommodations: In six of the most popular cities in Macedonia, hostels range from an average of only $7 to $17 per night.

Why go: “France, Italy and Germany are all a little played out — head east, save a fortune and explore Macedonia,” Ward recommended, noting that you can easily get meals for $7 in the country.

He said the country’s capital, Skopje, is idyllic, with Old European architecture and boutique hotels for a fraction of the price of Western Europe. Skopje is home to the Old Bazaar, a great place to shop and find cheap eats. The city is also home to the Memorial House of Mother Theresa, who was born there — the house is on the site of the former church where she was baptized.

“Then head to Lake Ohrid for a truly relaxing time,” Ward added. “The water is clearer than you imagine, and there won’t be hordes of tourists, I can promise you that!”

The Lake Ohrid region has been named a world heritage site by UNESCO, and the charming town of Ohrid is the location of one of Europe’s oldest human settlements. The area has the oldest Slav monastery, built starting in the 7th century, and hundreds of Byzantine-style icons from the 11th to 14th centuries.

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The Philippines

Cost of accommodations: You can score a hostel bed in Manila for an average price of $9.08. Hostels in other cities range from a mere $6 to $14 per night.

Why go: “South East Asia draws in so many tourists, but most don’t make it beyond Thailand or Vietnam,” said Ward. “For an additional hour or so you can explore the Philippines — all 7,000 islands of it!” Domestic flights within the Philippines can be as cheap as $40, he added, “so you can island-hop until your heart’s content.”

Ward thinks Manila, the capital, isn’t much to write home about, but from there, you can take a short, cheap flight to the “World’s Most Beautiful Island” of Palawan. From there, he recommended, “head north to El Nido and Coron for the kind of blue seas and limestone cliffs you’ve used as a screensaver for years.” According to Ward, you can nab some delicious street food and a cold beer for about $2, and if you get a cheap hotel on the beach, you can get away with only having to spend $30 to $50 per day.

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South Korea

Cost of accommodations: In Seoul, the average price of a night at a hostel is only $15.68. In other popular cities, the average prices range from a mere $14 to $21 per night.

Why go: According to Kepnes, so many travelers get excited about Japan, but they often overlook South Korea: “South Korea is an underrated place,” he  explained. “Not a lot of people go there, but it’s fascinating.”

He pointed to the incredible Korean food, rich history, excellent museums, beautiful palaces, K-pop music and the booming tech scene. Plus, if you’re a history and politics buff, you can take a guided half-day tour of the The Demilitarized Zone — the infamous border between South and North Korea — for as little as $40.

Kepnes is especially a fan of Seoul, which he described as an affordable city that many people miss out on.

“It’s like a cheap Tokyo,” he explained. “You could go out there and go eat Korean BBQ and drink to your heart’s content, and then pay only $10.”

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Emily Starbuck Gerson
Emily Starbuck Gerson |

Emily Starbuck Gerson is a writer at MagnifyMoney. You can email Emily here

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