1. Start saving at least one full year before you plan to apply or attend graduate school2. Look into scholarships and fellowships at least one full year in advance, because of deadlines

3. Apply to doctoral programs, if qualified (many of such programs provide stipends and waive tuition)

4. Consider a graduate Resident Assistant position, which will likely shave off your room and board bill

5. Avoid borrowing private loans that come with high interest rates