Tips to help college students build their credit reports and continue their education.
Archive for April, 2009
How to Manage Student Loan Debt
Apr 28th
It is not a secret that thousands of college students will graduate with a degree plus thousands of dollars left unpaid on their student loans for college. Statistics prove that student loan debts are estimated to run from $10,000 to an astounding $50,000 posing a huge financial challenge to newly graduated students who are just about to start looking for jobs.
To avoid being stuck in a debt situation, how can you as a college student avoid bad credit at all costs? Here are some advices worth considering:
Choose your student loan carefully. If you plan to obtain a private student loan, research extensively for a lender that offers the most reasonable rates and terms in the market. Don’t rush into signing up for a private student loan just because of attractive advertisements. Be sure that you understand what you’re getting into. Check the interest rates and costs that come with your loan. More importantly, understand the terms and conditions of the loan. More >
(No Ratings Yet)The Benefits of Volunteering While You’re in College
Apr 24th
Pursuing college education is more than just preparing for your future. It’s also about experiencing the joys as well as the challenges of being a student. If you’re a college student, perhaps one of your biggest challenges is dividing your time between your studies, your social life, and family life.
Despite the busy schedule, have you thought about spending your time in voluntary works? In this article, let’s talk about the benefits of volunteering for others. True, sharing yourself for other people’s benefit can be very rewarding for the people you help and yourself.
Enhance your social life. Participating in voluntary activities involves socializing with people from all walks of life. This can be a very enriching experience for students, something that they can look back on with a sense of pride and fulfillment. Meeting people develops your communication skills, people skills and your personal growth. More >
(No Ratings Yet)The Drawbacks of Student Credit Cards
Apr 22nd
It used to be that students don’t have the opportunity to get credit cards on their own. People who don’t have a credit history are often required to get a co-signer if they want to get approved. Co-signers must have a good or excellent credit history to guarantee another person’s account.
Nowadays, students are given the chance to establish a personal credit history using a student credit card. Even without a co-signer, students can get approved without any difficulty despite not having credit. Are you one those students thinking about getting your own credit card? What are the drawbacks of owning a student credit card that you should take into account?
Drawbacks of Owning a Credit Card for Students
(No Ratings Yet)How to Spend Wisely With Your First Credit Card
Apr 19th
Having a credit card for the first time can be a very exciting experience for anyone. Whether you’re a student, a graduate or an employee, owning a credit card has its thrills. Nevertheless, we should not forget the responsibilities that come with it.
So if this is your first time to have credit card, this article was written for you. Here, we have presented suggestions on your how you can use your credit card wisely and how to stay out of bad debt or bad credit. More >
(No Ratings Yet)You and Your Student Credit Card
Apr 7th
Credit card companies the great marketing potential of introducing college credit cards for students. Many parents and college students know that getting a credit card while still in school can help them build an early credit history without difficulty.
Benefits of a Credit Card for Students
Credit cards for students offer other benefits. For students who live in boarding schools, a credit card can be a convenient financing tool. Working students can also use their credit cards for important purchases that can’t be paid in cash. More >
(No Ratings Yet)Credit Cards for College Students – Learning the Lesson
Apr 1st
Acquiring a student credit card is often advised for young people especially those who are about to enter college. Credit card companies often send attractive offers to prospective customers. If you’re a college student or is about to graduate high school, you may have received dozens of offer from your mail as well. This article presents the facts about credit cards for college students.
Facts about Credit Cards for Students
Should You Get a Student Credit Card?
It is true that you can use your college credit card to establish an early credit history. Once you’ve graduated, you’ll find that most credit cards with the best deals require good or excellent credit history. If you don’t have credit history, you may have to settle with a secured credit card or a sub-prime credit card. Thus, while still in school, this is the perfect opportunity for you to establish personal credit by obtaining a student credit card. More >
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