4 Benefits Of Having Student Debt

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I’m no stranger to the student debt blues. You know, that overwhelming feeling that you made a horrible, horrible decision regarding going to college? Or maybe it’s just a twinge of frustration that you can’t afford anything. Like at all. Like scrounging for quarters to get something off the dollar menu for breakfast at all.

Do you know the feeling?

Instead of wallowing in self-pity, I’ve chosen instead to reflect on the reasons why having student debt is actually a good thing. Here are my top four.…

3 Myths About Your Credit Score Debunked

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Lately, I’ve been compulsively checking my credit score. I needed a new apartment, I’m applying for loan consolidation, and I’ve been looking into getting a credit card. I wanted to know if these applications impacted my score.

Then, I was on the phone with my mother recounting my obsessive rituals—and she yelled at me: “You can’t do that!! It will RUIN your credit score. Every time you check your credit it goes down!!!”

Well that’s no fair … and it turns out, not true.…

How To Get The Apartment You Want With No Credit (Or Bad Credit)

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I have some confessions to make.

I have almost no established credit. My boyfriend has bad credit. He’s looking to switch jobs in the near future. I’m a recent college graduate who has not held my job for very long. Oh, and we have a cat.

So, basically, we’re a landlord’s worst nightmare. Of course, we didn’t know this until our application for an apartment we really wanted was rejected.…