Although Primerica is NOT a scam (It's under Citi), it'll take a lot of hard work and initiative to build up client base. I wouldn't recommend this as a job for a full time college student since it'll take several months to actually break even and start making money. Here's how you'll start off: First you need to pay about 100-200 to take a class to prepare you for one of three exams you'll need to take for licenses that you will have to obtain. Then you take the exam and pay about another 100 or so. I believe the routine is more or less the same for the other three. The reason why Primerica recruits so aggresively is because their risk factor is low (You pay for training, and everything you sell is their profit). Once you get the licenses, you can start your job. One of the main things that I didn't like was that you'll have to find your own clients. So that means you'll have to do financial planning and sell various types of insurances to your family members, friends, neighbors etc. Then if they are satisfied they will refer you to their friends, and so on. If you don't like doing financial work and don't like asking for referrals then this is definetely something you want to avoid like the plague.