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
Whether a student has loans from an engineering degree or a nursing degree, trying to pay back a significant amount of student loans may hamper a graduate’s financial well-being. Hence, for many students, qualifying for student loan consolidation or refinancing could become the way to lump together all existing student loans and reduce monthly payments. The following are the 6 best banks to refinance and consolidate student loans (for those who qualify): 1.    Citizens Bank For students who qualify, Citizen’s Bank offers some of the lowest interest rates out there for refinancing and consolidating a student loan. Depending on the student’s credit history, a student’s new, consolidated loan may have a fixed rate of 4.74%–9.39% or a variable rate of 2.19%–7.39% for a term of 5, 10, 15, or 20 years. Furthermore, Citizen’s Bank allows students to refinance up to $300k qualifying federal or private loans (up to $150K for undergraduate loans and up to $170k in graduate loans) and have no origination fee or extra fees for applying. 2. College Ave Student Loans With similarly competitive interest rates, College Ave Student Loans offer qualifying students a fixed interest rate of 4.74%–8.5% and a variable rate of 2.50%–7.25% for a […]

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Categories: College, Student Loans



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