College students have plenty of concerns to contend with as they prepare to return to campus: choosing their course schedule, preparing for exams, praying for a cool roommate. But one worry may take precedence: affording it all.

After all, a four-year college education along with room and board can easily add up to six figures. Tuition and room and board expenses at public universities average $14,333 per year for in-state students and $25,200 for out-of-state students, according to 2008-09 data from the College Board. Private university costs average $34,132 a year.

While federal student loans can temporarily cover college costs, they don't actually lower the cost of college. There are, however, several measures students can take that do.