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In this day and age many feel that going to college is a necessity. While this is up for debate, the numbers do agree that those with at least a Bachelor’s Degree earn a considerable amount more on average than those who do not. The same can be said for those who go to graduate school and acquire a more advanced degree. However, unless you come from a very wealthy family, chances are you’re going to need to take out some student loans. Depending on the school you go to, these student loans can build up quite fast – even faster if you choose to go to a graduate school. Let’s take a look at two ways that are often overlooked when considering how to lessen the burden of student loan debt. Choose a Good Major First and foremost, before even getting a loan considering what you’re going to major in is a great idea. Many people tell you to simply major in something you’re interested in, but this may not be the best choice. If what you’re interested in has virtually no job market, c...

At first blush, personal finance seems like an untamable beast due to so many moving parts. You have to take into consideration your bills, taxes, income, future goals, investments and much more. Luckily, a simple way to combat this overwhelming feeling is to take into consideration what point in your life you are currently at. While this can be said for virtually all facets of personal finance, it is perhaps the most important when considering a loan. Car loans, for example, are something that an individual should put quite a bit of thought into before making the leap. Let’s take a look at a few of the things you should consider before moving forward with securing a car loan. Consider Your Savings First and foremost, you need to consider your savings. Always follow the golden rule of having a savings account with at least 3 months of expenses in it. This way, if you ever suddenly lose your job, you will have a nice buffer to hold you over while you look for another one....