You need credit for all sorts of things, like getting a personal loan, renting an apartment, and getting a lower price on your cell phone bill. But it's hard to get credit if you don't already have credit. Fortunately, building credit is easier than you think. Use this info to help you start building your credit so you'll have a solid credit history when you need it.
The societal pressures of getting a traditional college education are real, but it isn’t your only option. If you think going to a traditional university for your higher education isn’t for you, you are probably right! Avoid potentially wasting your time and save money on student loans, and choose a less traditional route. Not sure what other options you have? Don’t worry, we did some research for you!
Getting your tax refund is exciting, especially if you’ve waited a long time to receive it – and you probably already have something in mind that you’d like to buy with it. However, this year, instead of spending your entire tax refund all at once on a pair of new shoes, headphones, or a new computer, consider spending it responsibly. Using your tax refund towards debt or long term goals might be hard right now, but your future self will thank you.
If you feel completely overwhelmed by debt, you may think personal bankruptcy is your only option. However, declaring bankruptcy is a big, life-altering step with long-lasting consequences. Before you declare bankruptcy, make sure you know all of the facts to ensure it’s the right option for your financial situation.
Congratulations graduates – you did it! You now have a college degree and are ready to move into the real world and start using your smarts. You also likely have a mountain of student debt that seems insurmountable right now. There was no college course for paying back student loans, but don’t panic – we’ve got ideas to help make paying those student loans as stress-free as possible.