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In this episode of Office Hours, SIU System President Dan Mahony explores one of the biggest questions facing students and families today: How do you pay for college? Many people believe college is becoming less affordable, but the reality is more complex. National data shows that net tuition and fees at public universities have declined in recent years, and most students receive some form of financial assistance. In fact, across the Southern Illinois University System, over 90% of first time undergraduate students receive support to help cover the cost of college. President Mahony is joined by higher education leaders and financial aid experts who share practical insights about scholarships, financial aid, student loans and programs that make college more accessible. The conversation also features an inspiring SIU student who explains how she has found creative ways to cover her college costs without taking on loans. Whether you are a student, parent, educator, or advisor, this episode offers helpful guidance, real-world strategies, and encouragement for navigating the college financial planning process.