Education after college or right after graduating high school is very costly. You can easily get yourself started in further learning without too much effort but getting out successful is not guaranteed. Without critical thinking, you will end more frustrated without enjoying any intangible results.

The following are 10 questions you need to ask yourself before you commit to any higher learning. These questions will not only help you select the right education but will also help you save money because of the smart choices you will do.

1. Do you need certification?

If the answer is “yes” then you need formal education. However, if you are just plain curious and want to learn for the sake of knowing about it, you can always sign up for free courses online. You do not have to spend anything simply because you do not go to school. You resort to research to know more the subject of your interest.

2. How much can you spend?

Before jumping into an educational program, know how much you are willing to spend. This question will help you choose the appropriate school. Although it is quite unfortunate that you cannot get a good school without funds, you have to stick to what you have for now.

3. Are you willing to learn online?

Learning online is an increasingly popular practice especially if you are trying to learn master’s or any associate degree courses. Some universities will accept you as a student but only online. It is a totally different learning experience that could be difficult for you.

4. Can you travel?

Learning is very challenging for those who are already with a stable job since it might force them to travel everyday. Remember that your education will not last for days but for months or even years if you’re seeking additional degree.

5. Do you have a good credit rating?

This question might not seem relevant but if you are trying to earn a master’s degree, this question is very important. Because education is expensive, you are forced to take a student loan. With good credit rating, the interest rate will not be crippling.

6. How will it boost your career?

While education does not necessarily lead to a better career, you should choose a degree that could boost your chances for a great career. Because of recession, you need to be smart in choosing the right career since competition for vacancies that promises a great career is fierce.

7. Do you have the time?

Before you agree to go back to school, be sure that you have enough time to show up in class. Aside from that, you also have to make sure you have the time to study in order to excel in your chosen degree.

8. Can you seek government help?

Research first on government grants to know if you qualify. There might be a scholarship grant that you can avail so that your education will be free of charge. It’s also possible that non-government organizations in your area offer education with little to no fees.

9. Are you familiar with the degree?

Never seek an additional degree if you do not know anything about it. Some simply seek more degrees just because they want to have an impressive resume. If you don’t know anything about what you have to learn, it’s better to seek other degrees since learning will just be frustrating in your end.

10. Are you interested?

Only an answer of “yes” is acceptable if you are seeking additional learning. If you’re not interested, you will not learn anything and the degree you have will never be used in real life. You have just wasted your time and money if you’re not interested in what you’re learning.