Make Money Jobs & Careers

12 Things Older Adults Should Do Before Going Back to School

Must-do tasks for older adults contemplating a return to the classroom.

middle age student working in library
Updated May 28, 2024
Fact checked

We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

You’re never too old to go back to school. There are plenty of good reasons for you to decide to pursue an education as an older adult.

You may want to try a new career to make more money, or perhaps you want to learn new things since you have extra time to do so.

However, the decision to go back can be daunting. Consider these tips if you’re considering returning to make the decision easier.

Get paid up to $225 a month while watching viral videos

Instead of sitting around watching viral videos on YouTube, you could be getting paid actual cash taking surveys for InboxDollars instead.

It's simple. You sign up here and confirm your email. Then you watch videos and take surveys. Then you earn cash (yes, actual cash … not "points"). Log in during your spare time and see how you can earn up to an extra $225 every month.

BONUS: Free $5 when you sign up, confirm your email and phone.

Sign up and start getting paid today

Determine why you want to go back

Monkey Business/Adobe group of adults sitting in library laughing

Going back to school is a major decision. You need to figure out exactly why you’ve decided to take on this challenge to avoid throwing your money away.

Defining your motivation can be a smart way for you to focus on the process and the best way to do it.

But the process can also help you decide that this isn’t the right move and that you should try something else that may not take as much time, effort, or money.

Check for tuition waivers for seniors

JackF/Adobe older woman listening to lecture in classroom

One of the great things about some states or colleges is that you can get tuition waivers if you’re an older student.

Check into the laws for your state or contact local schools and community colleges to see if you qualify for a tuition waiver.

If you qualify, find out exactly how much of your tuition is covered and if there are additional costs like books or other fees that may not be included in the waiver.

Consider the financial implications

Studio Romantic/Adobe senior man using laptop and writing in notebook

Returning to school has financial implications, such as using student loans to cover tuition, reworking your budget to pay for tuition, or spending extra money on campus for parking or food.

Consider these costs and make sure you include them in your monthly estimated budget to see if going back to school is feasible, especially if you retired early or are living on a fixed income.

Resolve $10,000 or more of your debt

Credit card debt is suffocating. It constantly weighs on your mind and controls every choice you make. You can end up emotionally and even physically drained from it. And even though you make regular payments, it feels like you can never make any progress because of the interest.

National Debt Relief could help you resolve your credit card debt with an affordable plan that works for you. Just tell them your situation, then find out your debt relief options.1

How to get National Debt Relief to help you resolve your debt: Sign up for a free debt assessment here. (Do not skip this step!) By signing up for a free assessment, National Debt Relief can assist you in settling your debt, but only if you schedule the assessment.

Try it

Look for senior-only classes

chika_milan/Adobe multicultural senior student

Some schools may have continuing education courses specifically for seniors that might not cost as much as regular student tuition or are geared toward older students.

See if senior courses may cost less than a typical course at a college or university by visiting the school’s website or calling its enrollment office.

Think about taking online courses

shurkin_son/Adobe african plus size aged woman

You may be intimidated about going to a college campus with younger students or might not have a college nearby with the programs you want.

Consider online courses instead that allow you to work at your own pace, try new options, or stay at home while going back to school.

Consider living close to campus

Krakenimages.com/Adobe tourist smiling confidently

You may also decide to immerse yourself in the college experience if you’re going back to school.

Think about moving close to campus, allowing you to walk to classes or enjoy campus life even if you’re doing so as an older student.

Find the best degree programs for older adults

Monkey Business/Adobe senior student raising hand in class

Some degree programs may be better for you to pursue than others. Consider vocational schools or a two-year program like an associate degree rather than attending school for four years.

You may also want to check on getting possible credit for a college degree you might already have or previous college classes that can count toward your new degree.

Review other options

fizkes/Adobe serious mature woman

You may think of school as your only option to change careers or do something different, but other choices may be available.

Research certifications or qualifying for a license for a particular position. Your previous experience could also be a good base for you to change careers or try something new instead of school.

Set specific goals

Monkey Business/Adobe happy senior student sitting among students in classroom

You may want to go back to school now that you’re older or if you’ve retired early. But why do you want to go back?

It’s important to set goals for yourself to keep you motivated and get a clearer picture of what you plan to do with the things you learn.

It can also help you better understand why you’re going back and what you want to achieve with your work.

Earn cash back on everyday purchases with this rare account

Want to earn cash back on your everyday purchases without using a credit card? With the Discover®️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!2

With no credit check to apply and no monthly fees to worry about, you can earn nearly passive income on purchases you’re making anyway — up to an extra $360 a year!

This rare checking account has other great perks too, like access to your paycheck up to 2 days early with Early Pay, no minimum deposit or monthly balance requirements, over 60K fee-free ATMs, and the ability to add cash to your account at Walmart stores nationwide.

Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.

Apply for a Discover Cashback Checking account today

Don’t go overboard

offsuperphoto/Adobe senior businessman with laptop

You may think college is easy now that you’re older and have more life experiences and decide to add extra classes to your schedule or take on extra projects.

But remember that college is more than just the hours you’re sitting in class. It can include work outside of school or additional positions like an internship.

Enjoy different campus amenities

Yakobchuk Olena/Adobe In a modern gym, a happy father and son chat and celebrate with a high five after workout.

One of the great things about being on a college campus again is the campus amenities you can enjoy.

You may want to work out between classes at the school’s rec center or attend evening lectures or other events while on campus.

See if you can fit it into your schedule

peopleimages.com/Adobe writing life insurance information

One of the great things about being older or retired is that you can travel more or fill your days with volunteer work and other activities.

So make sure you can fit college into your personal life if you’re returning to school while also balancing your other activities.

Bottom line

micromonkey/Adobe male mature student studying in classroom with books

Returning to school can be a rewarding experience when you’re older, so make sure you get the most out of it.

Consider putting college costs like tuition and other expenses into a high-yield savings account you can draw from when needed while also earning extra interest on the money in there.