02.13.09 | The Truth About Life After College
As a recent college graduate, I can tell you first hand that life after college is a lot more challenging than you may expect. Shortly after college I decided to
move in with a few friends who were still finishing up their senior year at a nearby school. Basically, I was putting off “the real world” by living in a college setting for a 5th year. Great times were had by all, but I soon faced the harsh realization that I wasn’t in my 5th year of college, and was indeed on my own.
On the first of each month rent was due; only this time around I didn’t have Mom and Dad to foot the bill like in years past. Groceries? They cost me an arm and a leg. Either I was completely naive to the actual cost or was woofing them down like Kobayashi in a hot dog eating contest. I actually found myself longing for my school’s meal plan; the same meal plan a year earlier I was complaining about because they didn’t offer cheese-it’s in the cafeteria. What a fool I was. I didn’t realize how good I had it.
I held an entry-level position with nominal pay and was responsible for paying rent, groceries, commuting fees, etc, and still living it up on the weekends like I was Frank The Tank from Old School. Needless to say, I was just squeaking by, and had my girlfriend’s birthday on the horizon. It was then I decided to apply for a credit card.
Throughout college I was not in need of a credit card. I worked about 30 hours per week and my parents contributed a significant amount of money toward my bills. I was certainly appreciative for Mom and Dad, but their generosity actually ended up costing me money later.
Because I hadn’t establish ANY credit during my carefree college years my applications for credit cards with decent APRs were denied, and I was forced to get a student card even though I had already graduated due to my lack of credit. The APR was around 17%. Being naive to credit in general, I didn’t pay much attention to the APR at the time. When I decided to take a few continuing education classes I just swiped the plastic. It was moves like this that slowly made a few hundred dollars become a few thousand.
I was shocked when my minimum payment went up from 20 dollars a month to nearly a hundred. It was then I realized I was basically just paying off the interest. I felt like a fool. Ignorance is not always bliss.
I was finally able to pay off my card a couple years later, by transferring my high balance over to a card that had a 0% introductory rate for six months. I stopped partying and focused on the task at hand. If I only knew then what I know now.
If you live long enough, you’ll make mistakes. But if you learn from them, you’ll be a better person for it. Learn from me.
1) BUILD YOUR CREDIT EARLY. Just because you are “all set” during college does not mean that you should not pay attention to the future. I did not need a credit card, but was not building credit. When the time came that I actually needed a card, I ended up with the high APR card since I did not have credit.. Get a student credit card as a student and put small purchases on it each month like gas, your cell phone bill, etc. Pay it off each month, and build your credit with no harm done.
2). PAY ATTENTION TO DETAILS. A high APR card is fine – IF you pay off your total each month. A lot of students, like myself, do not pay attention to this until its too late.
What do you think? What are your plans after graduation? Are you going to try to give the “real world” an honest shot? If you are, what are your plans for financial success?!? Please comment below!!
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very helpful
February 13th, 2009 | #
Very good artical, i will def. think about that during school and an eye opener on credit cards.
February 13th, 2009 | #
Helpful…makes me want to go look at my current credit APR
February 13th, 2009 | #
I love the way you guys give advice, always on point but funny at the same time. As a 5th year senior and that much further removed from, Mom and Dad, I regret everyday not establishing credit earlier. Now I am 22 and have APRs in high teens like I would have when I was 18.
February 13th, 2009 | #
something that my parents have already taught me
February 13th, 2009 | #
Nice nice. Good read!
February 13th, 2009 | #
thanks
very helpful
February 13th, 2009 | #
Always have to be careful, especially with them all coming after you at once
February 13th, 2009 | #
I am going to give it my best shot and believe for the best.
February 13th, 2009 | #
i only will get a prepaid card
February 13th, 2009 | #
good info. something to think about
February 13th, 2009 | #
Very Helpful information.But the problem is in Sri Lanka(ASIAN COUNTRY),we have no way to apply for the credit card.In Sri Lanka,to apply for the Credit Card,I must have permanent job.How can student have permanent job?
And I hope to go to USA for my higher studies.So I tried to apply for above cards.But the thing is it also asking for Security Number and also only support USA.
February 13th, 2009 | #
American’s seem to live beyond their means a lot. I believe people just spent what they could afford and credit cards wouldn’t be a problem.
February 13th, 2009 | #
good to know
February 13th, 2009 | #
This is something that should be taught in every high school. Then students would have been warned!
February 13th, 2009 | #
I don’t intend to get a credit card, unless it is prepaid. I don’t want to be in debt on top of my student loans.
February 13th, 2009 | #
this was very helpful..I think tha I am going to start building me credit!
February 13th, 2009 | #
I’ll do whatever it takes to get to college
February 13th, 2009 | #
very helpful
February 13th, 2009 | #
unfortunately, most people learn this information the hard way. thanks for the advice!
February 13th, 2009 | #
very useful advice
February 13th, 2009 | #
Thanks. Very good advice.
February 13th, 2009 | #
If at all possible, pay more with cash and less with credit cards.
February 13th, 2009 | #
good advice
February 13th, 2009 | #
very helpful
February 13th, 2009 | #
A lot of people have to learn the hard way! Thanks to you, a lot of people are now prepared to face the real world by learning from other’s mistakes! Thanks so much!
February 13th, 2009 | #
Thanks!
February 13th, 2009 | #
very helpful information
February 13th, 2009 | #
Cool!
February 13th, 2009 | #
Good to know! Thanks a bunch!
February 13th, 2009 | #
its very helpful i will try my best to complite my college
February 13th, 2009 | #
I like this.
Very honest, and genuine.
February 13th, 2009 | #
Thanks
February 13th, 2009 | #
thanks
February 13th, 2009 | #
extremely helpful.. will keep in mind
February 13th, 2009 | #
thx for the advice
February 13th, 2009 | #
very good article, thanks!
February 13th, 2009 | #
I think credit cards are a waste of time but i do agree with the above story you have to have some kind of credit established before you really start a new life after college. My plans after college is to start buying my own home for my daughter and I so to know I cn get the help I need i will establish credit before I finish school and make sure my credit is nice.
February 13th, 2009 | #
fanx..preci8 it!
February 13th, 2009 | #
Your welcome everyone.. thanks for reading! Remember, if you have any credit problems or questions of any kind, post them on our forum – http://forum.studentplatinum.com/
February 13th, 2009 | #
ABOUT TWO YEARS AGO I GOT MY HANDS ON A COUPLE OF CREDIT CARDS. I TOLD MYSELF THAT I WOULD ONLY USE THEM IN CASE I HAD AN EMERGENCY. WELL, LET ME TELL YOU I HAD MANY EMERGENCIES…AT THE MALL!! EVERY SALE SUCKED ME INTO SWIPING MY CARD OVER AND OVER AGAIN. TODAY, SINCE I AM NOW BROKE WITH NO DAD(HE DIED) AND WORK MY BUTT OFF TO PAY FOR SCHOOL, CAR, CREDIT CARDS, AND ALL THE OTHER MUMBO JUMBO. I WISH I WOULD OF READ THIS ARTICLE A LONG TIME AGO!!
February 13th, 2009 | #
Good advice, and very helpful!
February 13th, 2009 | #
Thank you
February 13th, 2009 | #
Thanks this helped alot!
February 14th, 2009 | #
Thanks for the advice. Very very helpful.
February 14th, 2009 | #
WILL KEEP IN MIND, THANK YOU
February 14th, 2009 | #
I have this problem at the moment it is hard to get out. If i would read something like this before hand telling me how much trouble credit cards would have gotten me into i don’t think it would have happened. Very insitive.
February 14th, 2009 | #
Nice… something to think about
February 14th, 2009 | #
dude.
February 14th, 2009 | #
credit can get you off on a bad start – spend within your limits is what I keep hearing
February 14th, 2009 | #
learn from these kind of mistakes. I hope to enter the “real world” with a decent job that pays a good living wage. Pay with cash not plastic. Thanks for artical
February 14th, 2009 | #
its a good n important eye opener,it has educated me a lot
February 14th, 2009 | #
Cool !
February 14th, 2009 | #
it was a great read I planned early for a college education 13 years old I planned early I did start out to earn scholarship I did earn some scholarships at that time they were sent to me and stolen by older people for there personal financial gain I at 13 wanted the money put into and account for my college education later, I was not living with my real mom and dad, later it isent any different with these people embezzleing money in my name on a credit card and forcing me into poverty which is debt bondage guess whos in the whole again me!
February 14th, 2009 | #
wow, acturally i have heard of it but just thought it was money in the card that you can use to buy anything but then you would have to pay the bill later.
February 14th, 2009 | #
great article!
February 14th, 2009 | #
Very helpful article!
February 14th, 2009 | #
This article actually made me laugh a little, and made me feel glad (for once) that I’m not a “traditional” college student. I’ve been living in the “real world” since I graduated high school, having to make rent, buy groceries, and pay tuition myself. I’m married, too.
I’m currently in grad school and my plans after that are to be a teacher. I’m already working in education right now, so it isn’t as much of a leap as you might think.
I guess it just goes to show that there is value in many different paths.
February 14th, 2009 | #
Very helpful.
February 14th, 2009 | #
nice
February 14th, 2009 | #
I dont plan on entering the real working world right after graduation, I want to continue my education and earn my masters degree. With this economy, the longer you stay in school, the better chance you will have when our economy takes a jump back up. I will be more educated and more qualified if stay in school.
February 14th, 2009 | #
good to know
February 14th, 2009 | #
That’s a very good idea. You will be more qualified, but remember to also take internships and get a part-time job in your desired field if possible. Experience is more important than anything.
February 14th, 2009 | #
Very true!
February 14th, 2009 | #
I have a Card my dad got me and I use it once a month for something and then pay it off to build my credit..so far so good. My dad said it woould work and it has. mY first limt was $250 ..it has gone up to $1000 since I have paid it off.
February 14th, 2009 | #
I’m still a student in Highschool and I’ve got to say.. I’m scared to grow up… I already pay for pretty much anything I want to buy. I’m a senior in HS and I have two jobs. I pay for my car, my insurance, and my phone all on my own. I can’t remember the last time I asked my parents for money… so I think I’m pretty prepared for the real world since I’m pretty much already in it… But I agree with this article.
February 14th, 2009 | #
helpful information
February 14th, 2009 | #
My mom has already told me about this, so I have two credit cards. I always make sure that I have enough money to pay them off each month.
February 14th, 2009 | #
i just use it and pay it off that month, then you can build the credit and not the interest
February 14th, 2009 | #
Thanks for the information…this will help alot!
February 14th, 2009 | #
It’s good to know about credit so early, I was always just told to stay away from credit cards.
February 14th, 2009 | #
I totally know what ya mean. my sister blew it with credit cards in college…
February 14th, 2009 | #
I definitely agree with the entire concept, because I actually didn’t have anything planned after college. And I now know that I should start thinking about it. This was very much helpful for me and I’m very grateful for had reading this and this story being told (or written =])
February 14th, 2009 | #
good story
February 15th, 2009 | #
Helpful info. Thank you.
February 15th, 2009 | #
really enjoyed it
February 15th, 2009 | #
Wow!
February 15th, 2009 | #
Very good insight to the upcoming years!
February 15th, 2009 | #
This really was helpful.
February 15th, 2009 | #
very helpful
February 15th, 2009 | #
It is helpful information
February 15th, 2009 | #
Very true and helpful!
February 15th, 2009 | #
It’s a good perspective to look at, but I’m still not sure if getting involved with a credit card is a good thing. I’ll try to avoid it while I can. I think it’s better to find a job and use it to pay some bills, which is another way to get a credit without any interest or small print.
But good luck!
February 15th, 2009 | #
Good advice. I have a macy’s credit card with a high APR. However, I make small purchases and pay them off in total every month, therefore not paying any interest. It’s a great way to build credit.
February 15th, 2009 | #
wow this was sooooo helpful!
February 15th, 2009 | #
good 2 know
February 15th, 2009 | #
this is very helpful definitely useful
February 15th, 2009 | #
Thanks for the advice.
February 15th, 2009 | #
Interesting!
February 15th, 2009 | #
Good stuff. Every bit if information helps.
February 15th, 2009 | #
Thank you so much for your information.. It was very helpful and I hope to use these whenever I go to college.
February 15th, 2009 | #
Great article!
February 15th, 2009 | #
this was some great info.
February 15th, 2009 | #
Very good! That had to be terrible! I really don’t have a credit card, since I don’t think you really need one.
February 15th, 2009 | #
Very helpful information. Thank you!
February 15th, 2009 | #
After reading this, im scared to grow up. Its going to be such a big step from highschool to the real world
February 15th, 2009 | #
wow this is very good advice
February 15th, 2009 | #
WELL, IM A SENIOR IN HIGH SCHOOL AND FACING THE REAL WORLD IS CUMIN PRETTY FAST BUT I KNO THAT I WILL HAVE TO FACE IT SOON SO IM PREPARING MYSELF
February 15th, 2009 | #
very helpful
February 15th, 2009 | #
that’s pretty cool!
February 15th, 2009 | #
Very useful information about the APR, I do not know much about the whole credit card ordeal yet, but just reading about information like this helps me realize that it is not all fun and games and a money tree.
February 15th, 2009 | #
great information
February 15th, 2009 | #
OK well first of all I’ve had a credit card since I turned 18 and had a debit card since 16 and I’ve never had any issues with spending so much that I can’t pay it back. And second of all even though I’m still in college I’m ready to be out in the real world unfortunately its difficult being an undergrad student in the real world because people don’t really take you seriously.
February 15th, 2009 | #
Wow, this is very interesting to know! I will definitely heed to these warnings!
February 15th, 2009 | #
wow, great!
February 15th, 2009 | #
I appreciate the help.
February 15th, 2009 | #
Its a hard hit of reality and its going to get even harder when its gona be a battle for jobs.
February 15th, 2009 | #
Yay, debit….Boo, credit!
February 15th, 2009 | #
very helpful
February 15th, 2009 | #
I”m still in high school and have a good job.
February 16th, 2009 | #
My mom signed me up for a joint checking account and debit card when I was in the 8th grade and taught me how to balance and reconcile with the bank. As soon as I’m 18 I will be applying for my own credit card.
February 16th, 2009 | #
thanks that was alot of help
February 16th, 2009 | #
i graduated already my college life with a degree but im still dont have my job. im a filipino, our country could not offer an instant job for us especially after graduation.
February 16th, 2009 | #
helped a lot
February 16th, 2009 | #
Yeah maybe the 5th year wasnt the greatest idea..
February 16th, 2009 | #
Don’t student loans build credit too though? My husband had no credit history whatsoever and a collections on his account (from a bank account), but as soon as he took out a student loan cosigned with his mom his credit score jumped considerably.
February 16th, 2009 | #
Very interresting, I’m very glad my parents were mean and taught me the value of the $ and the proper use of credit at a very young age, I think it would be helpful for grade school on up to include money 101 as a required course.
February 16th, 2009 | #
We talked about this in my accouting class. My teacher said that when buying a house, the only bad thing on her credit score was that she did not have enough experience. She suggested the same thing: etting a credit card, using it a little, and paying it off.
February 16th, 2009 | #
helpful
February 16th, 2009 | #
same thing happened to me. but i’m still in college, so it’s even harder to pay them off.
February 16th, 2009 | #
Thanks for the advice. Very useful
February 16th, 2009 | #
Wow never thought about things like this! THANKS!
February 16th, 2009 | #
Wow never thought about things like this Thanks!
February 16th, 2009 | #
informative
February 16th, 2009 | #
mane. this is cool. thanks for the help!
February 16th, 2009 | #
This is very helpful!
February 16th, 2009 | #
so informative.
very cool
February 16th, 2009 | #
Good information, especially with the financial crisis we’re in.
February 16th, 2009 | #
thanks this helps a lot.
February 16th, 2009 | #
good
February 16th, 2009 | #
I’m so scared of finding a job after college! Thanks for the advice on credit.
February 16th, 2009 | #
Good info!
February 16th, 2009 | #
good info. from hrtr on out its pre pay all the way.
February 16th, 2009 | #
alot of useful information.thanks for the heads up.
February 16th, 2009 | #
had a lot of useful information for the future
February 16th, 2009 | #
thanks for the information
February 16th, 2009 | #
A very helpful article. I will consider these key points when finishing-up my last years in college. Thanks
February 16th, 2009 | #
very good information to read
February 16th, 2009 | #
Good information.
February 16th, 2009 | #
Very informative.
February 16th, 2009 | #
I found this very great information.
February 16th, 2009 | #
Good to know.
February 16th, 2009 | #
very good information
February 16th, 2009 | #
Very helpful, life after college is a huge step and all of this information is important to keep in mind
February 17th, 2009 | #
Good story about the pros and cons of credit cards
)
February 17th, 2009 | #
I recently wrote a paper about this. It is so true!
February 17th, 2009 | #
pretty good info for the future
February 17th, 2009 | #
This really helped me, i will definitely use this advice in the future.
February 17th, 2009 | #
thanks for the info
February 17th, 2009 | #
good information to know and helpful
February 17th, 2009 | #
I’m really thankful that my parents helped me build good credit while I was in school. This article is an eye-opener and a warning for those who are just starting.
February 17th, 2009 | #
This is an extremely beneficial artical.
February 17th, 2009 | #
This was very helpful. I need to get my life together for sure!
February 17th, 2009 | #
Very Helpful
February 17th, 2009 | #
VERY GOOD… VERY HELPFUL
February 17th, 2009 | #
this article was very helpful.
February 17th, 2009 | #
COOL
February 17th, 2009 | #
This article is very helpful!
February 17th, 2009 | #
this article is helpful
February 17th, 2009 | #
this is very informative
February 17th, 2009 | #
Thanks very helpful information
February 17th, 2009 | #
Very smart!!!!
February 17th, 2009 | #
thanks this is very helpful
February 17th, 2009 | #
coll!! very helpful info
February 17th, 2009 | #
good information that I can pass on
February 17th, 2009 | #
GOOD READ
February 17th, 2009 | #
Good info!
February 17th, 2009 | #
this article was very informative. i will definitely have to remember this when im thinknig about my credit
February 17th, 2009 | #
very cool love this page
February 18th, 2009 | #
I will certainly apply for a credit card.
February 18th, 2009 | #
I will certainly apply for a credit card
February 18th, 2009 | #
good info
February 18th, 2009 | #
good info, i have credit cards already though.
February 18th, 2009 | #
Very Smart!
February 18th, 2009 | #
thanks for the info
February 18th, 2009 | #
good information
February 18th, 2009 | #
this is good advise
February 18th, 2009 | #
good advise for young people
February 18th, 2009 | #
that is good.but how do you know if you have good credit.
February 18th, 2009 | #
When I get a job and start making some money, then I’ll get a student credit card.
February 18th, 2009 | #
Very informational..
February 18th, 2009 | #
For everyone who replied and is unsure of their credit score.. go here for a free report – http://track.linkoffers.net/z.asp?ID=F0000000000000064041S9999
February 18th, 2009 | #
Good short story for those who are looking to get their first credit card. Yet even a student credit card can make a person reliant on ‘plastic’ and we that are need to be careful. It is more satisfying to pay for things with the money you actually have and highly dissatisfying to be paying on interest or defaulted payments. One needs self discipline, and money available to pay the credit card. Yet, it is true that many things are easier to be had if a line of credit is established.
February 18th, 2009 | #
very imformative.
February 18th, 2009 | #
Nice
February 18th, 2009 | #
I have been there done that I decided when I turned 18 that I would get a credit card to get myself some credit man I was glad the balance was only a 200 balance but if you pay the minimum payment yeah I reliazed it wouldn’t go away until I started paying more towards it.
February 18th, 2009 | #
That was some amazing advice about debt and credit cards.
February 18th, 2009 | #
Informative
February 18th, 2009 | #
My mom tried to tell me this information, but I wasn’t really interested until now.
February 18th, 2009 | #
This was very informative, thank you.
February 18th, 2009 | #
Ooohh nice. I’ll keep this information in mind so I don’t make a mistake as well.
February 19th, 2009 | #
very helpful. =)
February 19th, 2009 | #
indeed very helpful
February 19th, 2009 | #
Wow, that made me think about my spendings and how to deal with all that stuff, very helpfull
February 19th, 2009 | #
still trying to pay off credit cards and work full-time while in grad school.
February 19th, 2009 | #
This is definitely helpful. thank you
February 19th, 2009 | #
thanks for the info
February 19th, 2009 | #
interesting info.
February 19th, 2009 | #
good stuff
February 19th, 2009 | #
Good Advice, thank you
February 19th, 2009 | #
What about secured cards, so you don’t get in over your head?
February 19th, 2009 | #
Thanks dude!
think we are all a little bit smarter now
February 19th, 2009 | #
This was a wake up ca;; for me and very helpful.
February 19th, 2009 | #
Thanks for your story, but I have to say, how did a story about your mistake turn fully into a story about finding the correct credit card? It sounds like a poorly disguised advertisement…makes me wonder if the story is real…
February 19th, 2009 | #
I never tought about how importnt it was to have credit!
February 19th, 2009 | #
Very helpful…
February 19th, 2009 | #
interesting…
February 19th, 2009 | #
good info
February 19th, 2009 | #
kool info
February 19th, 2009 | #
I’m glad that he learned…I am already building credit!
February 19th, 2009 | #
thanks for the info
February 20th, 2009 | #
Very good advice..thank you.
February 20th, 2009 | #
Miao, trust me, the story is real. I’m 24 years old, and work for ScholarshipPoints and StudentPlatinum. Yes, we make money by promoting credit cards, but no, this story is not made up to do so. We aim to educate students about credit and credit cards, and help them select the BEST cards out there for their situation – rather then have them get a card that is promoted on campus with a free T-shirt, without knowing anything about APR, Credit, etc.
February 20th, 2009 | #
I think that it is very useful to understand the importance of keeping a good credit score. When I first received my credit card I was so reluctant to use it because I had no idea of the consequences or benefits the card would have.
February 20th, 2009 | #
very good advice. helps a lot
February 20th, 2009 | #
Very helpful.
My parents touched on it but you’ve really helped!
Thanks
February 20th, 2009 | #
thats amazing!
February 20th, 2009 | #
i just got my first credit card, and i don’t know how i would be able to maintain good credit when i am broke!! But point taken, i will definetly sell my legs and pay on time coz i want to have my own apartment soon.
February 20th, 2009 | #
This is soo true!Thanks.
February 20th, 2009 | #
If you are late once, they jack you up to the 29% default for 6-12 months depending on the bank.
February 20th, 2009 | #
If you are late once, the defalut is 29% for 6 months to 1 year. Be careful!!
February 20th, 2009 | #
Pretty awesome. My boyfriend is having issues like that.
February 20th, 2009 | #
This is a great story! I can definitely relate to it, but thankfully not in the same no-credit-disaster way. I am a young student and I study far away from my family and although I receive money from them I have a budget and have to manage it well, or else…At first, I didn’t know what to buy in the supermarket so I bought many many things. Can you imagine the total?? I would also eat out a lot and by the end of the month had very little or no money to save or have in case of emergency, etc. I have learned through time how to manage, but I would really recommend getting advice and tips from people who have gone through the same situations as us, which are millions. Getting advice can save you hundreds haha.
February 20th, 2009 | #
good info!
February 20th, 2009 | #
good information!
February 20th, 2009 | #
Thanks so much!
February 21st, 2009 | #
wow… i better get a credit card soon
February 21st, 2009 | #
we all have to learn the hard way
February 21st, 2009 | #
I had not thought about that, thanks for the information on that. I will look into getting a credit card while in college.
February 21st, 2009 | #
very helpful!
February 21st, 2009 | #
Make sure that you are not late with payments and pay more than the minimum monthly payments (if you only pay the minimum you will be paying on the card forever!)
February 22nd, 2009 | #
that was very helpful i hope everything is fine now
February 22nd, 2009 | #
Thanks for writing that article! It was very helpful.
February 22nd, 2009 | #
Im glad someone told me this before hand because i usuallly figure it out when its to late.
February 22nd, 2009 | #
great article!
February 22nd, 2009 | #
very thought provoking
it got me thinking
February 22nd, 2009 | #
This was really helpful. Maybe it will get me ready for life after I get done with my degree… which I start working for in September! Does anyone have any ideas about how I can/will/should get used to campus life?
February 23rd, 2009 | #
Great article!
Very helpful!
February 23rd, 2009 | #
This was helpful!
February 24th, 2009 | #
Article was super helpful and I will definitely pass the link onto my friends!
February 24th, 2009 | #
helpful
February 24th, 2009 | #
wow!
February 24th, 2009 | #
This is helpful…
February 25th, 2009 | #
Good wake-up call!
You think it’s hard after college solo. Don’t look too far down the road but a wife and kids may require a bit more planing. One who has been to college, raised two kids and returning back to college.
February 25th, 2009 | #
intesting and helpful
February 25th, 2009 | #
wow. such an eye-openers for all people who stuggle to play for college especially if you are unemployed
February 25th, 2009 | #
great article
February 25th, 2009 | #
very informing!
thanks I will keep all of this information in mind.
February 25th, 2009 | #
I can’t believe I didnt know this before!
February 26th, 2009 | #
Wow this was actually really helpful and interesting!
February 26th, 2009 | #
I printed this out! I’mma gonna need this information after I graduate. VERY helpful.
February 27th, 2009 | #
Very glad you wrote this; it was very beneficial to read. Thanks.
February 27th, 2009 | #
growing up can suck.
February 27th, 2009 | #
I didn’t expect all that. That’s for all the helpful information. I’m really going to need it.
February 27th, 2009 | #
Very helpful. I’ll keep this article in mind when i’m getting credit.
February 27th, 2009 | #
very helpful.
February 27th, 2009 | #
this was very good information and will be use in the future..
February 28th, 2009 | #
Wow I am glad to know all of that now before I start college.
February 28th, 2009 | #
My parents do not help me with college; I am 22 and have been on my own since I was 18. The only reason I am in college is because of FAFSA and the 70 hour a week job I worked for a year to save enough to study. I still do not know how I am going to afford to finish college but I am in my second year and I have great credit. Every action has a consequence; don’t spend money you don’t have.
February 28th, 2009 | #
Definitely an eye opener.
February 28th, 2009 | #
Very interesting. Lots of help =]
February 28th, 2009 | #
very interesting & helpful
February 28th, 2009 | #
Very helpful and very true. I am a senior in college and have already experienced the ugliness of how carried away I can get with credit cards.
February 28th, 2009 | #
IF you decide to get a credit card, use it for one consistent thing each month that you would be buying anyway. For instance, use the credit card for gas, and when you use the credit card, put aside the cash you would have used to pay for it. At the end of the month, pay off the balance. Also, if the credit card company increases your limit, request that they keep it low until you’re SURE that you will only use it when absolutely needed. Contrary to belief, it is worse to have maxxed out cards than no cards at all. One is enough.
Bottom line: Don’t buy something unless you have the cash for it TODAY.
Article was very helpful, and realistic. Thanks!!!
March 1st, 2009 | #
Thanks!!
March 1st, 2009 | #
very helpful. i am not looking forward to those days
March 2nd, 2009 | #
Wow i kindda hoped i wouldn’t have to get one of thoose but i guess you need them.
March 2nd, 2009 | #
thanks
March 2nd, 2009 | #
very useful advice
March 2nd, 2009 | #
Very VERY helpful! =D
March 2nd, 2009 | #
What is the code I get for reading this?
March 2nd, 2009 | #
thanks…
March 2nd, 2009 | #
Wow! I really liked this article! it’s amazing! and helps!
March 3rd, 2009 | #
wow i should really safe now. thanks cap!
March 3rd, 2009 | #
good to know
March 3rd, 2009 | #
great to know!!
March 3rd, 2009 | #
I think that thi story can help incoming freshmen just starting college and more ppl that are thinking about going to college should read it.
March 3rd, 2009 | #
this is very informative.
March 3rd, 2009 | #
good very good
March 3rd, 2009 | #
This was helpful. Now I know more about credit.
March 3rd, 2009 | #
thanks now i am not too skeptical about the “after Life” lol
March 3rd, 2009 | #
Thanks for the info
March 3rd, 2009 | #
His story was helpful.
March 3rd, 2009 | #
Interesting
March 4th, 2009 | #
amazing!!! i just went into my bank last week and they told me the same thing!..That I needed to start building my credit because the longer i wait the harder it will be in the future…Thanks for Advice!
March 4th, 2009 | #
I have read things like this and already have a student credit card. Haven’t missed a payment yet.
March 4th, 2009 | #
Helpful, but at the same time you can get by in life without a credit card. There are other ways to build your credit without risking spending money you don’t have. Credit cards are too tempting for spur of the moment purchases.
March 4th, 2009 | #
I found that article very insightfull.
March 4th, 2009 | #
GOOD LUCK
March 4th, 2009 | #
This is very helpful. Going to get started right away!
March 4th, 2009 | #
Good advice, but it did sound a bit juvenile at the beginning. Overall very useful reminder, though.
March 4th, 2009 | #
Thank you so much!!! This is very helpful info. I will be sure to remember this
March 4th, 2009 | #
This is good to know. I have a credit card now and I am in college and I am basically paying the interest rate. But as soon as I can I am paying the whole thing off.
March 4th, 2009 | #
I luv his comments
March 4th, 2009 | #
Thanks!
March 4th, 2009 | #
Do we must to apply for a student card??
or you can build your credit in other mean?
March 4th, 2009 | #
good article!
March 4th, 2009 | #
got a low balance low rate credit card for books only that
for the 1st 2 years my parents paid. This established credit for me as well as increase in line etc. When I am on my own, it will be a great benefit
March 4th, 2009 | #
Great info thanks
March 4th, 2009 | #
interesting
March 4th, 2009 | #
Thanks
March 4th, 2009 | #
Wow, I will definitely plan ahead.
March 4th, 2009 | #
Too many people have went into debt due to excessive credit card spending. Establishing credit is important but don’t forget about the annual finance charges as well!
March 4th, 2009 | #
it’s sad that the world has to have credit to function. I know we all will have to have them it’s just sad. I did learn from the article though.
March 4th, 2009 | #
Thanks for the advice!
March 4th, 2009 | #
Good information..i will take this information into consideration!
March 4th, 2009 | #
Good information i will take this into consideration.Im looking forward into building my credit.
March 4th, 2009 | #
Wonderful insight for what’s to come! Thanks!
March 4th, 2009 | #
Good advice.
March 4th, 2009 | #
This was very good to know
March 4th, 2009 | #
very helpful, I’ll definitely get a student card
March 4th, 2009 | #
This was helpful, Thanks!
March 4th, 2009 | #
Thank You 4 tha Info
March 4th, 2009 | #
so true!
March 5th, 2009 | #
Very helpful.
March 5th, 2009 | #
this is very helpful, especially the part about recommended credit cards.
March 5th, 2009 | #
This was so helpful. Thanks.
I am going to give the real world a shot…after graduate school!
March 5th, 2009 | #
thanks.
March 5th, 2009 | #
Yeah, we’re stuck in a catch-22. We don’t all necessarily need credit now, but it’s the history that’s important. I would suggest getting a credit card with a low limit, putting something little like your cell phone bill on it every month and setting up automatic bill pay from your checking account. Most places will do that for free.
March 5th, 2009 | #
recommended credit cards was helpful
March 5th, 2009 | #
This was helful thankyou.
March 5th, 2009 | #
great article
March 5th, 2009 | #
And here I was already thinking that all credit cards were bad
March 6th, 2009 | #
this was very helpful!! thank you!
March 6th, 2009 | #
Good information to be aware of
March 6th, 2009 | #
Thanks for the advice!! It was very helpful!
March 6th, 2009 | #
Thanks for your advice… very helpful
March 6th, 2009 | #
great article
March 7th, 2009 | #
I need al the help I can get with money for school lots of good info here
March 7th, 2009 | #
thanks
March 8th, 2009 | #
I’ll be sure to remember this (=
March 8th, 2009 | #
Good points. I always learned to pay my card in full to help build credit for future when I will need credit.
March 8th, 2009 | #
I Got a credit card to start building credit and paid it off every month. I now have a great credit score got a loan to buy a car, this is good advice
March 9th, 2009 | #
I ruind my cedit some years soI will never apply for another credit card. but I will definatly seek out a job after I gradguate.
March 9th, 2009 | #
ok
March 9th, 2009 | #
yea… it is hard to be on your own without your parents paying for the bills and do the grocery shopping, but thats the way life is. you need to learn to do things on your own.
thanks for you advices..
March 9th, 2009 | #
Hey Thank you!!
Wow! I needed this!
March 10th, 2009 | #
Godd Advice!
March 13th, 2009 | #
this is very good information. it make me really think about getting a student credit card in the near future
March 13th, 2009 | #
This was a great article, I graduated in May of 2008; with the economy in a recession it is very to find find a job. Also, I don’t have credit as well, I always thought it was nonsense to have a credit. Watching my old college room-mate manage 6 different credit cards bills, gave me more of a reason to not want to get a credit card. Watching her stress herself out about which card she should pay off; I did not want the hassle. After reading this article, it makes sense to build your credit and build it early. For me personally, I do not want to take the risk and apply for a credit card without having a job to pay the monthly bills. I just hope with few the training courses I have completed and certifications I have attained, I hope they pay off soon. Because I really would like to start building my credits.
March 14th, 2009 | #
thanks a lot for the advice unfortunately they dont offer credit card services in kenya. but i may consider applying for one if i get a chance to study in america.
March 14th, 2009 | #
I am defiantly going to try and start some credit in a wise way. This article was very informative.
March 14th, 2009 | #
lets plp no that afta college isnt so easy that we hav 2 learn 2 b independent
March 15th, 2009 | #
Very helpful! Thank you. I probably won’t be economically independent immediately after college but I will need to know this so I will be able to
March 15th, 2009 | #
Very helpful thank you. I will keep this in mind for when I do become economically independent
March 15th, 2009 | #
thanksss
March 15th, 2009 | #
Again, good advice to keep in mind!
March 16th, 2009 | #
never spend more than you should. BUDGET each week…. save ….. and THINK!!!
March 16th, 2009 | #
Thank you for the info! Very helpful!
March 17th, 2009 | #
Good to know that others fall into the same category as me. I also realized the hard way that I waas on my own
March 19th, 2009 | #
This is something my parents have already told me but it is very helpful for people who do not know.
March 19th, 2009 | #
Good to hear this. All doubts about credit cleared.
March 20th, 2009 | #
I will never use a credit card except in small doses to build credit
March 24th, 2009 | #
interesting and true
March 25th, 2009 | #
interesting
March 25th, 2009 | #
we will see what happends
March 25th, 2009 | #
I definately am excited for college, but I will be weary of credit cards
March 25th, 2009 | #
very useful information.. very good topic
March 25th, 2009 | #
Wow that was very helpful!
March 26th, 2009 | #
This was a helpful tip.Thanks!
March 26th, 2009 | #
Good to know.
March 26th, 2009 | #
Thanks for the advice!
March 26th, 2009 | #
I liked the advice
March 27th, 2009 | #
good advice. thanks
March 27th, 2009 | #
Thank you so much for that information. I found it very useful!
March 27th, 2009 | #
This is helpful. I know that I will have to get a student credit card, and I’m afraid, but now I know I should just use it sparingly and wisely.
March 28th, 2009 | #
interesting topic
March 29th, 2009 | #
This is a real opener for all college students! Thanks
The next person who reads this pass it on to someone you know.
March 29th, 2009 | #
Yea they have told me about credit cards
March 30th, 2009 | #
wow nice information great questions ask also. i dont have a credit card yet but hopefully i don’t have to run to those stuff!
March 30th, 2009 | #
I think no one should have a credit card in or right out of college! they are only BIG trouble!
great article
March 30th, 2009 | #
thanx!
March 30th, 2009 | #
This is really something to keep in mind.
March 31st, 2009 | #
This is soo true. I graduated last semester and find myself in the same boat. It is not as easy as everyone makes it out to be.
March 31st, 2009 | #
good advice and its something to keep in mind
March 31st, 2009 | #
Defiantly something important to learn early!
April 3rd, 2009 | #
Thanks
April 4th, 2009 | #
I always wondered about credit cards that will give someone a second chance. I dont think my credit is too good and I definitely need the extra help! Thanks for the information.
April 6th, 2009 | #
Reality check.
April 8th, 2009 | #
I’ve heard about cases where people were paying off their student loans for many years after college and after they got married.
April 8th, 2009 | #
[...] lot of students find themselves in debt early in to college, and often worse after graduation. It might be with credit cards, bills at your initial off-campus apartment, or car payments – we [...]
April 9th, 2009 | #
awww man dats sucks, but very helpfull info
April 15th, 2009 | #
this is very help ful info
April 19th, 2009 | #
That was a very interesting story.
April 21st, 2009 | #
The story was very interesting.
April 21st, 2009 | #
His story was very interesting.
April 21st, 2009 | #
wow…well i’ve seen things like this happen before but not exactly like this, i shall remember this forever..i can learn from this..
April 21st, 2009 | #
wow i can learn from this
April 21st, 2009 | #
Definitely true. I’m not in college yet, and I’m already stressing about this. Not haven’t the amount of money a person needs to pay or buy something is so irritating.
April 29th, 2009 | #
this was a very helpful article. thanks:)
April 29th, 2009 | #
Thank you so much for this information…being dependent most of my life..this is really valuable information.
May 1st, 2009 | #
I’m glad I looked at this beforehand. I was under the impression that I could get through life without a credit card because I have seen so many people get into debt because of credit cards and I figured that if I didn’t get one I’d have nothing to worry about. I guess that was pretty naive since these days you need a credit card to do almost everything. Thanks a lot for the advice, I’ll definitely be taking that into account as I go off to college.
May 2nd, 2009 | #
The information was definitely helpful!
May 6th, 2009 | #
very helpful..thank you
May 7th, 2009 | #
Very informational
May 9th, 2009 | #
Yeah something like this happen to me because instead of me getting in debt I was just paying cash and it helps so you wont have debt. But it does not work for credit.
May 11th, 2009 | #
Every thing is true about ” Life After College”. But in my view, i look more so ,what you make of it.
May 14th, 2009 | #
Yea, being in debt stinks. My family is in debt right now, so I know how it can be. Luckily i have a good credit report and I’m not in any debt. I’ll definatly keep this information in mind when I graduate.
May 15th, 2009 | #
Very informative, a little extra info to the Economics class I took this past semester!
May 23rd, 2009 | #
wawoo…my friend was telling me that she was building her credit, and she is only a senior in high school. At that time, i thought thinking about that staff was so early, but i guess not.
June 4th, 2009 | #
I have not relied on parents for over 12 years now and well, yeah paying your own bills and debt down is hard, but my parents never gave me money anyway.
June 10th, 2009 | #
thanks for the great information
June 14th, 2009 | #
really good advce
June 20th, 2009 | #
Very helpful!
June 22nd, 2009 | #
Thanx, this is some good advice.
July 8th, 2009 | #
This is very good advice.I never dream I would be back in college at age 45.
July 9th, 2009 | #
HELPFUL STORY
July 9th, 2009 | #
helpful
July 14th, 2009 | #
[...] The Truth About Life After College: This post is focused on getting your finances together post graduation and can help you create a firm foundation. [...]
July 16th, 2009 | #
I agree, this is very valuable advice. However, I would also encourage students to look at their spending habits before they apply for a card, because a whole lot of debt by graduation time is a lot worse than just a high APR afterwards!
July 16th, 2009 | #
Very helpful, and true!@
July 17th, 2009 | #
I think I just had a reality check. lol
July 18th, 2009 | #
nice and smart. he should have been economically more careful and like Sir Mir Hossein Mousavi, who led the troublesome nation of iran through very turbulent times….
July 20th, 2009 | #
really good advise that could help me
July 21st, 2009 | #
Thanks, I thought you would be set after you got a degree, in reality its not like that.
July 22nd, 2009 | #
This Gives Me A Better Look At what i need to do
July 24th, 2009 | #
very interesting, this is really going to help me out
July 25th, 2009 | #
yea i think every person should be aware of this
July 28th, 2009 | #
WOW!! That sounds like a true blessing
July 29th, 2009 | #
I have already gotten debt from student loans but the info on crdit cards was useful.
July 29th, 2009 | #
i think this was a very good essay. my father was just talking to me about building credit but not going into debt. if a student reads this article they will find it very helpful. for me it was more of a reassurance type thing, but thamk you alot
August 4th, 2009 | #
I will take it into consideration
August 5th, 2009 | #
this info was helpful, got to get a student credit card before its too late
August 6th, 2009 | #
Goo info. And very true.
August 7th, 2009 | #
Great advice. Thanks.
August 8th, 2009 | #
Thanks for the info.
Appreciate it.
August 9th, 2009 | #
great artical
August 9th, 2009 | #
Thanks for the advice. I share a credit card with my mom and quickly ran up unnecessary purchases, so when I needed it for a book. There was no money available. So I learned quickly how to use the card wisely.
However, thanks to your advise, I do agree that I need a card in my own name to establish credit.
August 10th, 2009 | #
True…
August 10th, 2009 | #
Thanks for the advice. This was something that have never
cross my mind all…until now…
August 10th, 2009 | #
Wow i never knew that not having a credit history could actually affect a person, very useful information…
August 11th, 2009 | #
Good read
August 11th, 2009 | #
building capacity and adaptability to difference culutres,is so wonderful!!!!!!!
August 12th, 2009 | #
the real world sucks
August 13th, 2009 | #
Isn’t this a bit obvious?
August 13th, 2009 | #
Wow that really is a reality check
August 14th, 2009 | #
Credit is important. We should learn early how to manage it.
August 14th, 2009 | #
yea life is not easy after college its goin 2 be hard thats why you must have a plan b and other skills to help pay bills etc
August 14th, 2009 | #
my mom already prepared me for most of this, but it’s nice to hear of the different experiences
August 14th, 2009 | #
I don’t know if I’m ready to give the real world a shot. I like being in school and working part time, I can’t imagine doing anything else.
There should be mandatory credit card classes in colleges and even in high school. I just got my second one a couple days ago and it’s taking everything in me not to spend it on things.
August 16th, 2009 | #
I really think credit card dealers who talk to 18 yr olds without knowing if they work, or try to find out if they can pay the card off are just devious individuals. Have you in a crazy debt, having to pay so much all the time and see that the bill is really not going down. Trick you with the minimum payments that really leaves you paying a lot more in the end. I say prepaid cards are the way to go!!
August 16th, 2009 | #
i understand that the real world is hard but life is what u make it.now i plan to open my own business and be successful and i know that requires alot of work, but by me being determined and focus i know that i could do it.
August 17th, 2009 | #
Yeah. I can speak from experiance especially when it comes to the ludicrous interest rates of credit card companies. I went from $15 to $100 for missing the deadline on a routine payment.
August 18th, 2009 | #
have not relied on parents for over 12 years now and well, yeah paying your own bills and debt down is hard, but my parents never gave me money anywa
August 18th, 2009 | #
Very helpful information
August 19th, 2009 | #
I looked into this situation for myself. My rate was extremely high and I was just paying off the interest as well. Thanks for the advice
August 19th, 2009 | #
man very helpful to me. my mom prepared me for most of this.
August 20th, 2009 | #
Interesting.
August 22nd, 2009 | #
this is very helpful information that everyone must read.
August 24th, 2009 | #
good article. My parents helped me get started for credit. At first, it was hard since I didn’t have any, but finally got there. I was thinking of waiting, but they told me no. I had help from my parents on paying the bill at first, but now I pay on my own.
August 24th, 2009 | #
No debt yet. Soon to be! Is it really that important!
August 24th, 2009 | #
this will be verrrrrrrrry helpful
but i still have a feww years till then
August 27th, 2009 | #
Well, I wish I had read this a couple of years ago. Some of these problems you explained have happened to already and I am between being and getting my life straight after college.
August 31st, 2009 | #
I am sure paying down debt is real hard that is why it worries me to get a credit card. I am attending school and not working so how would I pay for it?
September 1st, 2009 | #
Thanks so much for posting this. This was a BiG help! I’m really considering getting a credit card now.
September 2nd, 2009 | #
Wow I didn’t know it was gonna be harder. Thanks for the help.
September 3rd, 2009 | #
this was a great help
September 6th, 2009 | #
good stuff. didnt know u needa a credit card for credit honest.
September 7th, 2009 | #
this should serve as a wake-up call for those who think that after college, things will just fall in place because you have a degree – NOT!
September 14th, 2009 | #
Credit cards are scary.
September 16th, 2009 | #
that was factul info
September 28th, 2009 | #
that was great!
September 28th, 2009 | #
it was something to think about
September 28th, 2009 | #
something to be aware of
September 28th, 2009 | #
understandinable
September 28th, 2009 | #
i think that it is easy but hard at the same time when you graduate and get your degree for college. At the same time, you can pay back your student loans (if you have any) and have a higher income with the career that gives you five to six figures.
September 29th, 2009 | #
I’m shocked, I never thought about life after college until now…..
October 2nd, 2009 | #
i feel although its a great idea
October 2nd, 2009 | #
Great info
October 3rd, 2009 | #
Great information, very helpful
October 3rd, 2009 | #
Great information, very helpful
i’ll be sure to keep that in mind
October 3rd, 2009 | #
IT’ LIFE PPL! THAT’S WHY WHEN OUR PARENTS ASK FOR HELP IT’S NOT FOR THEM… STOP AND THINK WHEN YOUR MOTHER AS YOU TO DO SOMETHING YOU DIDN’T WANT TO. NOW THE HARD LIFE YOU THINK YOU HAVE ISN’T HARD AT ALL. NOW U HAVE TO DO IT ALONE, THAT’S ALL. SUCK IT UP NOW. IT’S SHOWING US THINGS WE NEED LATER ON IN LIFE. HELP OUT IT’S EASIER NOW.
October 4th, 2009 | #
I think it is challenging because with this economy it is really hard to get good jobs now-a-days. However, it is not impossible
October 5th, 2009 | #
Good lesson
October 6th, 2009 | #
Thats a way to experience life after college it seems all fun when really you’re just growing up and becoming indenpendent.
October 6th, 2009 | #
I CONCUR WITH THE ACCURATE INFORMATION GIVEN IN REGARDS TO LIFE AFTER COLLEGE.
October 7th, 2009 | #
reading life after college has really gave me fell on about what i could except after i graduate
October 9th, 2009 | #
woah
October 11th, 2009 | #
thanks 4 publish this article
October 11th, 2009 | #
I better start building my credit ASAP.
Thank you
October 12th, 2009 | #
Building credit is an important part of life. That’s why it is good to start early. But being able to manage things is kind of hard.
October 14th, 2009 | #
This makes me nerves about where I will be in 4 years.
October 14th, 2009 | #
That is one thing I really fear after college not having enough money to make the student loan payments on top of all the other bills i already carry. Its scary =(
October 15th, 2009 | #
Very good and helpful article.
October 15th, 2009 | #
it’s definitely something to think about.
October 18th, 2009 | #
Great advice to know. Thank you Ipass it on to my friends
October 18th, 2009 | #
Good advice for anyone who hasn’t needed to be independent before.
October 19th, 2009 | #
I think its good advice, but you don’t necessarily need a credit card. It’s better to have a debit card and buy things at the store that will give you credit. Its better to spend money you have then paying interest for what you don’t own. Yes, I am going to give the world an honest shot.
October 20th, 2009 | #
This article is very helpful.
I will def. look into it.
I never knew something like that could happen… im definitely going to remember this advice.
October 20th, 2009 | #
I completely agree with this article and actually have plans of my own to open a card as soon as i begin college. Also, getting an apartment and paying the bills on time helps build ones credit but beware if possible do not break leases, bad renters history = hard time getting the apt you want
October 21st, 2009 | #
THAT WAS VERY GOOD
October 21st, 2009 | #
thank you for that some people really to read that so they can know whats giong on after college
October 21st, 2009 | #
i think it’s important for students to read this and realize what really does happen. extremely helpful.
October 22nd, 2009 | #
I understand it can be very challenging to find a job after college graduation. and it is hard to transition from college to a career.
October 22nd, 2009 | #
Very good information. I did not know about that so it was very helpful for me.
October 22nd, 2009 | #
I appreciate this article!
I like this site, I’m really learning…
October 24th, 2009 | #
very helpful but may not be easy
October 25th, 2009 | #
yeah this was great!
October 25th, 2009 | #
interesting, good informations thamks
October 27th, 2009 | #
Very interesting…yea, credit isn’t always the best thing to use…
October 27th, 2009 | #
Wow! Great Infomation. Everybody should know this
October 27th, 2009 | #
thanks for the advice.
October 28th, 2009 | #
Thank you on your advise about building up credit. I found it very helpful.
October 29th, 2009 | #
Thank you for the great advice! I’ll be sure to head your warnings!
October 29th, 2009 | #
thanks for the advice
October 29th, 2009 | #
thanks for the advice..seem to be a challenge
October 30th, 2009 | #
Very helpful advise.
October 30th, 2009 | #
This is great information and thank you for the advise
October 30th, 2009 | #
Credit cards are scarey to someone like me just starting school. Thanks for the advice.
November 1st, 2009 | #
i like this, its very true and helpfull!
November 1st, 2009 | #
i JUST APPLIED TO COLLEGE TODAY IN FACT AND THIS INFORMATION IS LIKE gold to me right now.. after college im planing on working a bit to save up money to move out west but i was really nervous ai was going to do for money out there. this was helpful
November 1st, 2009 | #
eye opener
November 2nd, 2009 | #
Thank this is awesome information its very helpful!
November 3rd, 2009 | #
Thanks this is great information.
November 3rd, 2009 | #
This story really touched my heart because it makes me realize that college actually leads to a life you probably never expected.
November 3rd, 2009 | #
wel for one as soon as i am settled i am definetly gonna get me one of them credit card,your story is a testimony, and i am definetly gonna use your experience as my own. Thank you alot,and am sorry u had to experience allof that………….
November 3rd, 2009 | #
I already have a student credit card, so i am grateful that i wont have to have a high APR rate
November 4th, 2009 | #
thanks now i know i’m never getting a credit card.
November 4th, 2009 | #
good to know…always pay attention to detail and read everything!
November 4th, 2009 | #
Good to know
November 5th, 2009 | #
good article and advice
November 5th, 2009 | #
Paying off your credit cards each month does not help your credit much. Make more than minimum payments and pay it off in 6 months. This helps much better when building your credit because it shows you are responsible when handling your money. Also, you can finance furniture. Not rent to own. Again pay more than the minimum payments and this will look good on your credit.
November 5th, 2009 | #
I need to plan for alot more than just next year.
November 5th, 2009 | #
dats for sure, a good early credit will make life a heck of a lot more easier in the future
November 6th, 2009 | #
I’m glad i read this,its so true!!
November 7th, 2009 | #
Ahhh. I’m so afraid of after college.
November 7th, 2009 | #
I am very glad I read this. My mom has been telling me the same thing this whole year. I am going to do this.
November 7th, 2009 | #
YES. I have been trying to convince my parents to get me a credit card for months because of this.
November 8th, 2009 | #
I learned so much by reading this article! It was very helpful.
November 8th, 2009 | #
As a single mother and 52 years old, I never had any credit cards nor applied for any. I understood early that if I didn’t have enough to pay for it I didn’t need it. Put something away each pay period and don’t touch it. Have an emergency fund as well. Yeah it’s hard to do but it’s worth it in the long run.
November 8th, 2009 | #
Im sorry you had to learn the hard way but thank you for your generosity of sharing your experience with the rest of us.
November 8th, 2009 | #
For as long as you have good credit and money managements skills, you should graduate from college in a good financial position
November 9th, 2009 | #
THANKS A LOT I WISH I HAD READ THIS LONG TIME AGO IT WAS VERY HELPFUL.
November 9th, 2009 | #
I am planing on having a job before I graduate and I will be working in the real world having a ball. No matter how hard the job is I will stick with it.
November 9th, 2009 | #
My father always told me to pay attention to every little detail and big detail along with building good credit early so i can be destined for good credit for the rest of my life.
November 10th, 2009 | #
Thanks for the useful information!
November 10th, 2009 | #
this is very helpful
November 10th, 2009 | #
O thats very nice
November 11th, 2009 | #
This is helpful advise!!!
November 11th, 2009 | #
I llove this information
November 12th, 2009 | #
This is great information to know , before entering into the real world.
November 12th, 2009 | #
YEA I PLAN TO B VERY CAREFUL ANF WISE WHEN USING CREDIT CARDS.
November 12th, 2009 | #
Omg this is really helpful and i will be taking these tips into consideration! thank you!
November 12th, 2009 | #
Very helpful, and is appreciated.
November 13th, 2009 | #
This was good!
November 14th, 2009 | #
– this was very helpful and interesting!
November 15th, 2009 | #
I plan to go straight to college hopelfully
November 17th, 2009 | #
what exactly is student credit APR?
November 17th, 2009 | #
thank you for the useful information!
November 17th, 2009 | #
makes me excited!
November 17th, 2009 | #
It’s scary how hard and harsh the reality of the real world can hit.
November 18th, 2009 | #
this was very helpful now i know to get my credit card early and not take the college life for granted and then maybe i will be more well prepared for the real world.
November 18th, 2009 | #
helpful
November 18th, 2009 | #
this is very helpful. I am about to start college and will use these tips for sure!
November 18th, 2009 | #
Thank you! This helped!
November 18th, 2009 | #
This was very informal. Thanks for sharing!
November 18th, 2009 | #
thanks for sharing… very informative
November 19th, 2009 | #
thank you ,, should be a good idea to also put it in other lenguages ,, for other people to know
November 19th, 2009 | #
helpful and informative
November 20th, 2009 | #