No one decides to go to college expecting to drop out. But there are times when extenuating circumstances or even self-discovery can show you that college isn’t the best option for you right now.
It’s not uncommon, either: 41 percent of college students don’t complete college within six years, according to the National Center for Education Statistics.
Taking a break from college is a hard step and can feel like a failure for some people. But in many cases, it’s the smartest move. Here’s how you can decide if it’s the right choice for you.
6 times taking a break from college makes sense
Sticking with college when it’s not right for you can waste time and money, damage your academic record, and create needless student debt.
On the other hand, taking a break from college when you think you should can help you. You’ll preserve your good GPA and academic performance and remain eligible for financial aid.
Plus, if you do it the right way, you’ll leave the door open for possible re-enrollment if you decide to go back to college down the road.
Below are some common situations when taking a break from college and stepping back from enrollment can be the best way to find a path forward.
1. You’re facing a financial hardship
Facing a financial hardship that leaves you without the funds to pay for college is a legitimate reason to pause your education.
For instance, perhaps a parent who is covering college costs lost their job or is otherwise unable to help you financially. Or maybe you have a financial emergency of your own (like an expensive car repair or a medical bill) that eats up your college budget.
When something comes up that derails your financial plans for college, it can be worthwhile to pause enrollment. Take the time you need to work, earn, and save some money. That way, you can get back on your feet and continue your education.
You’ll also avoid some negative consequences of remaining in college, such as poor academic performance or racking up unaffordable student debt.
2. You’re dealing with a personal or family crisis
A family or personal crisis can directly affect your ability to function and perform well in college.
As a college student, you might experience a death, disability, or illness in the family that leads you to consider taking a break. Or your own health or wellness issues could arise while you’re enrolled.
In these situations, you might need to consider putting your schooling on hold to grieve, help your family, recover, or otherwise get back on your feet in your personal life before continuing your education.
Don’t hesitate to reach out to professors and college administrators during this time. They usually are willing to help you out in these special circumstances and minimize the negative impact on your academic record.
3. Your grades are slipping
Another reason to consider dropping out of college is if your academic performance is poor and your grades are low. If you’re struggling to keep up with schoolwork or stay motivated in class, that’s a red flag.
Poor academic performance does more than hurt your GPA; it also can put your financial aid eligibility at risk. If you get bad grades or fail multiple classes, you could fail to make “satisfactory academic progress” — and lose access to financial aid.
Taking a break from college can help you understand and address the issues that are holding you back in your studies. You can spend some time outside the classroom to resolve any obstacles to academic success without damaging your record or GPA.
4. You’re not sure college is right for you
Maybe you’re among the many young adults who enroll in college because it feels like the next step. Some students, for example, feel pressured by their parents to continue their education.
But maybe you know you want a degree but don’t yet have a clear plan for what to study and how college fits into your future goals.
If you aren’t sure whether college is right for you, taking a break can give you time to figure out what you want without wasting money on tuition.
5. You’re unsure of your major
“One reason a student might benefit from withdrawing from school is if they decide they do not like the major they’re pursuing,” said Brian Morris, communications coordinator for textbook exchange website Direct Textbook.
“Switching majors midstream is costly anyway, but continuing to take unnecessary credit hours only adds to debt,” Morris explained. In fact, Morris suggested that students should take a break, explore, and even work in different career fields before returning.
“By doing so, they can save on college expenses and potentially earn money to put toward a degree they really want,” Morris said. “Plus, they can determine whether they truly want to pursue that degree.”
6. You got a great job offer
Let’s say you earn a great full-time job offer before you finish your degree.
For many people, college is a path to the career they want. But if you can land your ideal job and income without a degree, it’s worth considering — even if it means skipping out on your last semester or two.
Just make sure you understand the ways not completing a degree could affect you down the line. Your current employer might not care about an incomplete degree, but that doesn’t mean the next one won’t.
What’s more, you might be able to finish your degree while working and “perhaps even work out an arrangement in which [your] employer helps pay for [your] school,” according to Morris.
Steps to take when dropping out of college
Learning how to take a break from college the right way can make a world of difference in terms of how easy it is (or isn’t) to return to school.
Follow these steps and make sure you understand all the implications of dropping out of college and how to set yourself up for success — whether you go back to school or not.
1. Understand how dropping out affects student aid
If you drop out in the middle of a semester, you might be required to repay part of your financial aid, including grants.
2. Meet with a financial aid officer
You should meet and speak with your financial aid office. A financial aid officer can review the specifics of your situation and tell you whether you will need to repay financial aid.
They also can help you understand how a withdrawal could affect your financial aid eligibility and explain how to re-enroll in the future.
3. Talk to a college advisor
You also might want to meet with an academic advisor to discuss your plans and options. They can help you create a path to reach your goals, whether it’s a job that might not require a degree or an eventual return to college.
4. Find ways to continue earning credits
“There are ways to stay on track while taking that break,” said Adrian Ridner, CEO and co-founder of Study.com.
“Get creative and explore alternative credit options like online courses or competency-based exams,” Ridner explained. “Just be sure to check with your college about whether the credits will be eligible to transfer.”
5. File a withdrawal or leave of absence
You should make your withdrawal from school official with the registrar’s office. Make sure you ask for and fill out all required forms so your enrollment status is up to date.
6. Know your student loan repayment options
In most cases, student loans are due six months after enrollment ends. If you’re dropping out with student loans, do some research about student loan repayment options that can help.
Options like income-driven repayment, deferment, or forbearance can help with unaffordable student loan payments.
Although deciding to drop out of college can be scary, that doesn’t mean it’s not the right move. If life is overwhelming or you’re confused about where you’re headed, taking a break from college can give you the space to work through your challenges.
Need a student loan?
Here are our top student loan lenders of 2019!| Lender | Variable APR | Eligibility | |
|---|---|---|---|
| * The Sallie Mae partner referenced is not the creditor for these loans and is compensated by Sallie Mae for the referral of Smart Option Student Loan customers. 1 Important Disclosures for College Ave. CollegeAve DisclosuresCollege Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply. (1)All rates shown include the auto-pay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation. (2)This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate (“APR”): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary. (3)As certified by your school and less any other financial aid you might receive. Minimum $1,000. Information advertised valid as of 11/08/2019. Variable interest rates may increase after consummation. 2 Sallie Mae Disclaimer: Click here for important information. Terms, conditions and limitations apply. 3 Important Disclosures for Discover. Discover Disclosures
4 Important Disclosures for CommonBond. CommonBond DisclosuresOffered terms are subject to change and state law restrictions. Loans are offered through CommonBond Lending, LLC (NMLS #1175900).
5 Important Disclosures for Citizens. Citizens DisclosuresUndergraduate Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of November 1, 2019, the one-month LIBOR rate is 1.80%. Variable interest rates range from 2.90% – 11.16% (2.90% – 11.01% APR) and will fluctuate over the term of the loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 4.72% – 12.19% (4.72% – 12.04% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown requires application with a co-signer, are for eligible applicants, require a 5-year repayment term, borrower making scheduled payments while in school and include our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of the loan. Citizens Bank Student Loan Eligibility: Borrowers must be enrolled at least half-time in a degree-granting program at an eligible institution. Borrowers must be a U.S. citizen or permanent resident or an international borrower/eligible non-citizen with a creditworthy U.S. citizen or permanent resident co-signer. For borrowers who have not attained the age of majority in their state of residence, a co-signer is required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Citizens Bank private student loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, and if applicable, self-certification form, school certification of the loan amount, and student’s enrollment at a Citizens Bank- participating school. Please Note: International Students are not eligible for the multi-year approval feature. |
|||
 | 2.84% – 10.97%1 | Undergraduate, Graduate, and Parents | |
 | 3.12% – 10.54%*,2 | Undergraduate and Graduate | |
 | 3.37% – 11.87%3 | Undergraduate and Graduate | |
 | 3.52% – 9.50%4 | Undergraduate and Graduate | |
 | 2.90% – 11.16%5 | Undergraduate and Graduate | |
