Good ways to avoid debt without working include saving ahead for college and securing scholarships once you are there.
Utah has one of nation's most highly regarded 529 college saving plans. The Utah Educational Savings Plan has been lauded for its low overhead and good returns, and Utah residents enjoy tax credits for account contributions.
Resources abound for University of Utah students and they are getting more helpful. This year, the university launched a one-stop online clearinghouse on the myriad scholarships available.