Smart budgeting skills are as essential to college students as studying for their classes these days. The cost of college itself continues to rise, with four-year, out-of-state students paying about $30,780 tuition and fees per year. Add in room and board, textbooks, and the expenses of everyday living, and it can get overwhelming fast. These amount is practically impossible without massive student loans. Many young people supplement their income with part-time jobs and side hustles.