With graduation coming up in a couple of months for seniors, many have a plan of what they are going to do after high school.

Some will go to college and some will get straight to work, both choices having pros and cons.

College has a bunch of difficult decisions like going full-time or part-time, going to a college that is out of state, and even just picking your major.

Other than picking your major, one of the most difficult decisions is determining if you are going full-time or part-time.

If you go part-time, you can work and go to school, but you finish later than everybody else.

Going full-time, you finish school quicker, but might not be able to work because college is taking up all of your time.

Mr. Brad Jerome, financial adviser, said there are many ways you can look at it when deciding whether to go part-time or full-time.

Ultimately, the goal is to finish college as quickly as possible with the least amount of debt possible.

“There is definitely a cost benefit to consider when it comes time to pay off the debt,” Jerome said. “Will you have enough income to pay the liability, or student loans, and still maintain a decent life style? If you are looking at a lower paying career, I personally think it makes sense to work your way through college and pay as you go … which may mean part-time college.”

Jerome said that if you have a good job now and can earn some money or save money, you may also want to go on a part-time basis and pay as you go.

“If you work for an employer who will pay for some of your college, this could also benefit part-time college,” Jerome said.

If you plan on going to college for nursing, medicine, dentistry, or other in health fields, full-time college is likely your only option.

“If your career path is going to lead you to a high-paying job, then it is likely better for you to be a full-time student and finish your degree as quickly as possible,” Jerome said.

Jerome then explained the bottom line.

“No two situations are the same. Every student should explore college as an option and should explore all of their options in how quickly to complete college and how to pay for it,” Jerome said. “I’d recommend that you sit down with your parents and a guidance counselor or financial adviser to discuss your options and find a customized solution that works for you individually.”