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Benefits of Student Loans

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Student loans are the bane of college students' existence across the country. Students spend hours and days and months trying to get scholarships and grants prior to entering college to end up having to take out student loans, usually with the help of a guardian. Student loans mean working part time throughout college and saving pennies where you can. Student loans also mean stressing about interest rates and post-graduation plans in order to secure enough money to not overwhelm yourself on the first payments. Student loans however, may have a positive impact on stressed college students.

Don't Let the Loans Get You Down

Loans are one of the main stressors of recent college graduates. In addition to being financially responsible for paying rent, utilities and even food for the first time for some- they now how to figure out a way to dig themselves out of debt for getting a degree. On average, new college graduates ow around $37,000 in loans according to Cappex.com. This is more than many entry level salaries for recent graduates. Trying to figure out how to repay these with the least amount of debt is in the interest of many recent graduates. Here are a few ways that may begin to help with loan repayment.

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How Do Student Loans Affect Your Credit Score?


Student loans are meant to help students. While it may not be as simple as mom and dad giving their child $50 for gas for the month, the idea is not to ruin the student's life and lock them in a jail of debt and throw away the key. The idea is to provide students with money to obtain a high quality education so they can make more money and pay back what they owe. However, while intentions may be decent student loans are scary and many students fear that if they do not succeed directly out of college they may be trapped under mounds of debt that may later prevent them from having the life of which they once dreamed.

Sports Authority Hangs on By a Thread


Sports Authority was once a large, vast village of sports related merchandise. Sorted by sport and brand and color and price, if you wanted something in the athletic realm and Sports Authority didn't have it, you may have no other options in sight. However, what was once the royalty of the sports themed retailers has since become a sad warehouse of unpurchased merchandise that is costing more to keep in stock than the number of consumers who are purchasing. Sports Authority has been on the trail to bankruptcy since March and has since been falling deeper and deeper into its own demise.


The Domino Effect in Bankruptcy

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Everyone one knows what dominos are. Small thin black rectangles with white dots on either end. You stand them up on their side one by one in a line. Once they are all lined up you tap the first one and watch it fall and take each subsequent domino down with it until they have all fallen down. This effect applies in much more than a children's distraction.

How Emergency Funds Can Save You Stress



Emergency funds typically sound like something that could be nice, if you had the money and time to save it up. Emergency funds are small pocket of change put aside just in case of an emergency. It is basically saving for a rainy day. It is said that two out of three Americans would have trouble coming up with $1000 for an emergency. People always save up for the things they want but forget to save for the things they don't expect. Having an emergency fund can prevent that stress.

Credit Score Concerns


It is very common that you see ads on television for how to check your credit score using this new program or how to get help if your credit score is low. However before even considering responding to those advertisements you need a fair amount of information about credit scores in general and your own personal credit score.

The Danger in Digital Wallets


Nowadays everyone is into minimalism. Minimalism is having less to do, less to carry and less to worry about. With smartphones, this dream is made a reality. Gone are the days one needs a cellphone, a planner, a contact book, and a wallet. With smartphones everything you need is in the palm of your hand, literally. Some may believe that having a digital wallet on your phone is smart because you aren't carrying around a small piece of leather with cash and cards that could easily get lost or stolen. However, digital wallets can be just as dangerous if not more.

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