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New York —  With the rising costs of college, here are some of the top 10 myths about saving for college and how you should really save for it.

Black Enterprise has provided a list of tips to handle the common myths associated with loans, financial aid, and other aid programs like the 529 college savings plans.

MYTH: I can just take out loans to pay for college, or my child will get financial aid.

FACT: Approximately 60% of federal financial aid comes in the form of student loans, and all loans represent debt that a family must incur. Any savings, even in small increments, that a family can put away will offset the final amount of debt it must take on to pay for college.

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