For the Girls: How to Stay Fashionable on a College Budget

By Agnesa Gashi

Fall 2025

I’ve always loved fashion, but for a while, I felt like I needed to buy something new for every occasion. With college, work, and everything else, it started to feel impossible to keep up with how many new outfits I wanted. I realized that a lot of people in college probably feel the same way. As our generation is constantly surrounded by social media, we see so many new trends and think we have to buy something new to look “stylish.” This adds extra pressure towards women. Women are often expected to look put together while men don’t really face this pressure as much. Social media also creates unrealistic standards that make girls feel pressured to always have a new outfit for every event which can make fashion feel more stressful than fun. I want to show that you don’t need to spend a lot of money to look good or feel confident. It’s more about finding your own style and learning how to make the most of what you already have. 

What Does a “College Budget” Really Mean? 

We all know college isn’t cheap. Trying to budget while still staying “fashionable” can be tough, especially since many of us don’t always have time for a job but still want to buy a few wants, not just the things we need. Between tuition, books, housing, and food, it all adds up. Maybe you just want to grab a coffee or treat yourself once in a while, but then you realize your wallet is empty.  

To get a sense of what a college budget might look like, the College Board’s 2024 report on Trends in College Pricing and Student Aid found that, the average full-time undergraduate student at a public four year, in-state institution contains a budget of about $29,910 for the 2024 to 2025 school year. This budget includes tuition, housing, food, books, supplies, transportation, and many other expenses. As the article mentions, tuition for a public four year in-state college is around $11,610, the remainder $18,300 still needs to cover housing, food, books, and any other expenses the student wants to spend on, like fashion or social outings.  

With this information, a college budget basically means learning how to manage limited money while balancing all those expenses and still finding ways to enjoy the things you love. Staying fashionable doesn’t have to be another stress on top of that. Fashion is defined differently for everyone and it’s not about how much you spend but how you style what you have and make it work for you.  

Why Does Fashion Matter in College? 

Fashion in college is more than just picking out clothes but it really is a way to show who you are. The way you dress can express your personality and your confidence. Jonida Hasani, a student at North Central who enjoys keeping up with fashion trends says,” I think fashion really shows who you are. Everyone has their own style, and that’s what makes it fun, it’s what makes you unique.” This shows that fashion is really about expressing yourself, not just following trends. 

Whether you are going to class, going to an internship, or literally just hanging out with friends, what you wear can help you feel more confident. For me, if I don’t like what I’m wearing, I’ll be in the worst mood ever. When I don’t feel confident in my outfit, I honestly feel off the whole day like, I can’t fully be myself.  

There’s even research behind this known as “enclothed cognition” that refers to the systematic influence that clothes have on the individual’s psychological processes. Basically, it suggests that we wear can change how we think and act. It’s not just about the clothes but about the mindset they help us step into. Research also found that participants felt that their clothing choices affected their mood, confidence, and behavior with things like color, style, and fit making a big difference. 

First impressions are a big deal too whether it’s meeting someone in class, going to an interview, or even walking across campus. But fashion doesn’t mean following every trend; it’s more about finding your own style and wearing what makes you feel like yourself. Rachel May, owner and founder of Boutique Poppy, a fashion business she started in 2021 says, “I would define great style as someone who is confident in their clothes… someone that is actually fashionable is someone who's very confident in what they wear.” Her point reminds us that confidence is the key to looking stylish.

How Can I Stay Fashionable Without Spending a Lot? 

Staying fashionable in college doesn’t mean you have to spend a lot of money, you just have to get creative with what you already have or looking for budget friendly stores. Thrifting is honestly one of the easiest ways to save money and you can find the most unique pieces for way less. It’s way more fun than regular shopping too because you never know what you’re going to find. Lately, thrifting has been a big trend. People on TikTok are showing off their thrifted clothing. Our generation is big on thrifting as well as using secondhand styles. This shows that you can look stylish without spending much. Apps like Depop or Poshmark are also a good way for finding secondhand clothes that still look brand new, and stores like Plato’s Closet or Goodwill can also have some good pieces if you take the time to look. Even borrowing clothes from friends can help with internship outfits or pieces you wouldn’t wear often. According to Capital One Shopping Research, “As of 2025, the U.S. secondhand market is worth an estimated $56 billion, up 14.3% from 2024.” They also stated, “By 2032, the secondhand market is expected to reach $90 billion, with $57 billion or 63% attributed to resale.”  These statistics show that secondhand shopping is not only popular but also practical.

Aside from secondhand shopping, let’s say you want to refresh your wardrobe without actually buying anything new, DIY styling is also a good way to limit spending. You can cut an old shirt into a crop top or layer a basic tee with a cute jacket, or even just add accessories to give you a new style. Or you can mix your basics with a statement piece to completely change your look.  

Planning your outfits ahead of time also helps a lot because it keeps you from impulse shopping and lets you see what you really need. Building a small wardrobe with basic pieces makes it way easier to put together outfits for class, hanging out or other professional events without stressing over what to wear. 

What If I Feel Pressured by Social Media Trends and Fast Fashion? 

Social media is such a big trend for our generation as well. We constantly see influencers posting new outfits or unboxing clothing hauls, which can make us feel like we need to keep up. When you see people always wearing something new, you start to think, “Why can’t I get new clothes every time I go out?” Social media is something that is not going to go away which makes it hard. According to Sara Shriber, a marketing and research analyst, “…social media is the single most popular place for fashion inspiration among younger adults. When asked where Gen Z gets fashion inspiration, social media took the top (42%) …” Hasani also says, “I get a lot of my outfit ideas from Instagram and TikTok. But I always try to put my own twist on it, so it doesn’t feel copied.” These insights remind us to take inspiration but keep out own style.

This pressure ties into fast fashion. Fast fashion refers to a large sector of the fashion industry whose business model relies on cheap and speedy production of low-quality clothing. This can be manipulative in a sense as brands are constantly releasing new collections which encourages more spending but also pieces that will go out of style quick. Fast fashion is now a $150.82 billion industry, it has grown by 10.74% from 2024 and is further estimated to reach $291.1 billion by 2032. Seeing these trends everywhere can make it hard not to compare yourself to others or feel like you’re falling behind with clothing. It is important to remember that style isn’t about constantly buying new clothes it’s about confidence and creativity with what you already have. Director of Financial Aid at North Central College, Tanya Covey, suggests separating needs from wants when shopping. She brings up a good thought process like buying an outfit for an interview is a need, while a new party dress might just be a want. Keeping this mindset can help you build a wardrobe that’s stylish and financially responsible. 

Not only does fast fashion cause us to spend more but it also hurts the environment.  

The fashion industry is the second most polluting industry with 8% of all carbon emissions, 20% of all global wastewater, with an anticipated 50% increase in greenhouse gas emissions by 2030.You can reduce your impact by looking at other options mention earlier like thrifting, buying secondhand, investing in quality pieces that last, which will keep your wardrobe stylish while helping the planet. 

Buy Now Pay Later Services and Why You Should Avoid Them

Being smart with your money is the first key step. A simple rule would be to either plan out your expenses whether that’s setting a small percentage aside just for clothing. Covey mentions to use an excel spreadsheet rather than an app to track spending and budgeting your money. This well help keep you from feeling tempted to use your credit card or using “Buy Now Pay Later” services. Research shows that in 2023, households spent an average of $655 on women’s apparel and $208 on women’s footwear. This really shows the importance of being cautious about the clothing choices you make and not spending more than needed.

Many businesses use “Buy Now, Pay Later” services like Afterpay or Klarna, which lets customers split their purchase into smaller payments. When using services like these, you must be very careful to avoid overspending or going into debt. A 2022 report from the Consumer Financial Protection Bureau says, “Over 20% of consumers with credit records used Buy Now Pay Later at least once that year.  Even more concerning, about 63% of those users held multiple loans at the same time.”  

This is why it’s important to treat these Buy Now Pay Letter services like any other credit tool. Only using it when you’re confident you can pay it off. These services can be avoided if you budget your money and stick to your plan. Fashion is something you don’t want to use these options for but clearly sticking to a budgeted plan and buying pieces that can be styled multiple ways is key. 

Building a small wardrobe with basic pieces makes it way easier to put together outfits for class, hanging out or other professional events without stressing over what to wear. 

Outfit Inspiration for Every College Occasion 

A lot of girls feel like they need a different outfit for every single event whether it’s for class, interviews, game days, night outs, literally everything. I’ve been there. It can feel overwhelming trying to keep up, especially when you want to look put together without spending a lot or feeling like you’re repeating the same thing every week. But once you learn how to put together a few staple pieces in your closet and play around with them, getting dressed becomes so much easier. So, I’ll be suggesting some outfit ideas for different occasions to help make getting dressed feel easier, not stressful 

Internship/Interview Look 

Looking for an outfit whether that is for an internship or interview can be very difficult. It is important to research the company first. Below, I will list some basic examples you can use.

Outfit Examples

  • Blazer with blouse and trousers with flats 

  • Blazer over a dress with low heels 

  • Blazer with a matching set with low heels or flats. 

  • Knitted top with trousers (can keep it a little tucked in) 

  • Collared shirt layered under a sweater with trousers or a midi skirt 

  • Simple dress with a cardigan and boots 

  • Add any accessories to represent yourself.

Tip: You don’t need a huge wardrobe to look professional. The first stop is to start with a few neutral basic tops, like a white blouse or black top, and then mix and match them with different bottoms. The same blouse can be tucked into trousers for an interview. You can also wear it with a midi skirt for an internship or even wear it under a blazer for an office look. A neutral or black blazer can also elevate almost any outfit. 

Class Outfits 

When it comes to class, being comfortable is definitely the priority, but that doesn’t mean you can’t still look good. I like outfits that feel easy to put together but still make you look like you tried a little. Mixing and matching your basics is the best way to make the most out of what you already have, so you don’t feel like you’re wearing the same thing all the time. 

Outfit Examples

  • Jeans with a basic top and sneakers  

  • Oversized sweatshirt or hoodie with leggings or joggers  

  • Denim jacket layered over a tank top or fitted top with cargo pants  

  • Cardigan or flannel over a simple shirt and jeans. 

  • Knitted sweater tucked into wide leg pants or a midi skirt. 

  • Crewneck and jeans 

Tip: Class outfits can be cute and make you feel better throughout the day. I’ve noticed that when I actually take a few minutes to put an outfit together, I feel more confident and focused. The best tip I can give you is to really mix different tops with jackets or different bottoms.  

Night Out/Special Event 

I used to always think I needed a new outfit every time I went somewhere but honestly, you really don’t. It’s more about getting creative with what you already have. I recommend mixing pieces from your closet and adding some accessories to give your look something new, whether it’s a night out with friends, a campus event, or a themed party. For themed parties or on campus events I would recommend borrowing something or thrifting since these pieces are something you would probably wear once and never again.  

Outfit Examples

  • Jeans with a cute top with heels or boots  

  • All black outfit like a black top and pants or a skirt add gold/silver jewelry  

  • Mini skirt or dress with a leather jacket  

  • Cargo or parachute pants with a fitted top and sneakers  

  • Oversized jacket over a tank top with a skirt or jeans 

  • Simple dress with heels and accessorize 

Tip: A jacket, a pair of shoes, or accessories can really change your whole vibe and sometimes that’s all it takes to make an outfit feel brand new. So, next time you have an event to go to, keep these things in mind.  

Where Can I Start Today? 

If you don’t really know where to start, that’s okay. The first step is figuring out your own style. I would say the easiest thing to do is start with what you already have. Go to your closet and pick out clothes you know you will wear and for what occasion. Try putting together a few outfits using your basics and play around with different combos. You will be surprised how many outfits can be made just by trying different stylings of a top or jeans. If you feel that you don’t have basics that can be used, this is where those budgeting tips will come into play, and plan to buy one or two timeless pieces. Owner and Founder of Boutique Poppy says, “Great style is really about being confident in what you wear. Trends come and go, but confidence never goes out of style.” This reminds us that confidence is always the foundation of good style.

If you feel stuck and don’t know where to start when it comes to your own style, Pinterest can help a lot. I use it whenever I need new ideas or need an outfit inspiration. Just search up things like “college outfits,” “everyday basics,” or whatever vibe you want. Save the ones you actually like and look for what keeps popping up that’s probably your style. You can even make an inspo board and see what you can recreate from your own closet first before buying anything new. Sometimes, you already have more outfit options than you think.

At the end of the day, fashion in college doesn’t have to be stressful or expensive.  Confidence is key to feel when you feel good in your outfit. So, I suggest you first go to your closet and try out different combinations. You might be surprised at how many great outfits you can put together without buying anything new. Just remember style isn’t about keeping up with social media trends it’s about expressing yourself and feeling confident in your own skin.

Agnesa Gashi is a senior at North Central College, majoring in Actuarial Science with a minor in Marketing. As a first-generation college student, commuter, and part-time worker, she knows firsthand how challenging it can be to balance responsibilities while still finding time to express herself through fashion. Agnesa enjoys using fashion as a form of self-expression and a boost of confidence, with a focus on maintaining style and confidence through smart budgeting.