Articles on Loans | Topics: loans, loan, loaning
by Francisco K. Byers
You're so used to your parents paying all the bills. You simply live in their house, maybe do a few chores to help out, and go to school. This is your life until age 18. Then when it's time to leave the nest, you've got a great deal of responsibility coming your way. How will you afford to live on your own? You'll clearly need capital for rent, food, tuition, books, and any fun you plan on having over the next four years. Now it's not like you can just run out and acquire a position at the local law firm. You have no resume, nor do you have an education yet. It's all about slaving away in some random pizza dive or movie theater. This is the way you get your cash. But, how will it ever be enough for all your newfound expenses? It won't! What you need now is a credit student loan.
The majority of us that venture off to a University after high school lack the necessary funds. Not that this should be any big surprise. I would assume every teenager on the planet hears the standard spiel from their parents regarding the costs of college life. Unfortunately most of us don't have daddy footing the bill. This is where a credit student loan comes into the picture. You have to apply for these toward the end of high school. At least that is the ideal time frame. Naturally many of us don't jump on the bandwagon quite so quickly. However, I encourage you to do so. It will better your chances of attaining a credit student loan by the time fall semester hits. Apply as early as possible; which I believe is in January. So if you're headed to college fall of 2007, you should apply for that credit student loan in January 2007. Probably no later than May. This is kind of a first come first serve process. You want to be one of the first to apply so that you'll acquire your credit student loan before fall quarter begins. What if it starts and you're broke? How will you cover tuition?
| Historical Quote |
Neither a borrower nor a lender be,
For loan oft loses both itself and friend,
And borrowing dulls the edge of husbandry.
This above all: to thine own self be true,
And it must follow, as the night the day,
Thou canst not then be false to any man.
| —William Shakespeare (1564–1616) |
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Generally with student loans, the percentage rates are low. Check out the Stafford loan on the web. This is where I got started. I was able to attain a credit student loan that got me through college. With the help of my part-time job on the weekends, all went well and I still had plenty of time for homework.
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