General
For many incoming college students, owning a credit card may become the method by which a student establishes a strong financial history along with solid money-handling practices. However, trying to find the right credit card that suits their financial needs or provides sufficient rewards may become just as hard as the material that they will face in the classroom. As a result, knowing which credit cards work best for college students may make the 2016 academic year easier, cutting down on interest and no annual fees while maximizing the amount of points or deals that college students may receive with his or her credit card. Building a Credit History Despite the number of promotions and letters sent to a student’s mailbox, a student with no prior credit history or a low credit score is not automatically guaranteed a credit card. Furthermore, those with a bad credit history could be outwardly denied a credit card, giving lending institutions the idea that the student lender is not ready to hold credit card or other lending accounts. For a student looking to better or build his or her credit score in order to hold a credit card, potential strategies may include applying for […]

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Categories: General
With the rise of tuition costs and the need for student loans, applying and enrolling in a degree program that has potential for high dividends may become the fundamental turning point for a student to secure his or her financial future. Yet, for many students, staying in school for several years may not be ideal or even a feasible option. To help students decide which degree may be the most promising for a high salary, we have listed 10 degrees that students could consider. Engineering Degrees Among one of the most growing and highly invested fields in the country, engineering and the subsequent subfields of engineering reports the highest entry and early career pay along with potential growth in salary by mid-career. The bachelor’s degree with the highest earning potential out of college has been a degree in petroleum engineering with a potential early career pay of $101,000 per year and a reported mid-career pay of $168,000. Other degree types and skill-oriented degrees in engineering that follow the trend of high earning potential and returns are: Petroleum Engineering Nuclear Engineering Chemical Engineering Electronics & Communications Engineering Aeronautical Engineering Systems Engineer As a field, engineering depends on the ability for an […]

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Categories: College, General, Student Loans
The rising amount of credit card companies establishing promotions and rewards to hook college students on a specific credit card may leave many students dumbfounded in trying to choose the right credit card. But knowing at least the top 3 credit cards that college students should consider might help dispel any confusion in learning how to apply and look for credit cards. 1. Discover it for Students First on the list, the Discover it for Students is an ideal card for first-time credit card holders. Unlike other credit cards, the Discover it for Students aims to be forgiving to new credit card users and promote high grades for its users. First, the Discover it for Students card offers 0% APR for 12 months on purchase and balance transfers with a 3% balance transfer fee and then a variable APR of 11.24%–23.24%. Students earn 5% back on rotating purchasing categories and receive 1% back on all other purchases plus no annual fees. Furthermore, students have monthly access to his or her FICO score in order to oversee and create a strong credit history. In order to ensure that as many students can be accepted and hold a Discover it for Students card, […]

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Categories: College, General

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