You can now go to college for free in two of the most expensive places in the US

Student debt is one of the most persistent financial hurdles that Americans face and for many, the rising cost of college has made attendance impossible. U.S. citizens now hold a whopping $1.31 trillion in student loan debt.

In two of America's most expensive places however, an affordable college education is becoming a reality. In fact, in California and New York you can now go to college for free. Here's how:

New York

On Sunday, New York became the first and only state in the country to offer free four-year public college through the Excelsior Scholarship program, which was approved by the New York state legislature on Sunday night.

The program covers the cost of a four-year college education for students from 940,000 middle-class families and will be phased in over three years. By 2019, students from families that make up to $125,000 would be eligible to attend all State University of New York and City University of New York colleges free of charge.

New Yorkers currently pay $4,370 for one year of community college and $6,470 for one year of college at all CUNY and SUNY schools. In order to help pay for the new initiative, the state and city university systems are likely to raise tuition for paying students by $200.

In order to receive the Excelsior Scholarship, students must be enrolled full time, maintain a passing grade point average and work in the state of New York for the amount of time that they attended college. There is no age limit and roughly 80 percent of New York state's families would be eligible.

"Today, college is what high school was," said Gov. Andrew Cuomo in a statement. "It should always be an option, even if you can't afford it."

But those looking to take advantage of tuition-free offerings in New York City shouldn't forget that the city and surrounding metro area is one of the most expensive places to live in the U.S. — and the world.

According to the annual Worldwide Cost of Living survey, New York is currently the ninth most expensive city in the world . A GOBankingRates report estimates that you have to make at least $86,000 a year to live comfortably in the city.

Other parts of the state would provide a more manageable cost of living for college students.

California

If you want to go to college for free in California, the place to go is San Francisco. In February, the city became the first in the U.S. to make free college available to all residents, regardless of income.

The city approved a transfer tax on properties selling for more than $5 million to fund an education program that allows all city residents to attend the City College of San Francisco tuition-free. The tax would provide the college with nearly $5.4 million annually and would offer full-time low-income students $250 per semester.

In order to take advantage of these Californian perks, students need to have lived in the city of San Francisco for at least one year. Many have pointed out that San Francisco's soaring cost of living makes it prohibitively expensive for many would-be residents. If you want to live comfortably in San Francisco, you'll have to earn at least six figures.

All over

It's not just New York and San Francisco providing tuition-free college opportunities. According to the National Conference of State Legislatures, Tennessee, Oregon and Minnesota already provide free two-year college programs.

Expansion of these initiatives could offer education opportunities for thousands of Americans. Free college was central to Sen. Bernie Sanders' presidential campaign platform. He recently introduced the College for All Act with Rep. Pramila Jayapal, D-Wash.

The act, which is similar to the Excelsior Program, would "eliminate tuition and fees at four-year public colleges and universities for families making up to $125,000 – about 80 percent of the population – and make community college tuition- and fee-free for all."

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