Finance Globe

U.S. financial and economic topics from several finance writers.

Three Tips for Aggressively Tackling Student Loan Debt

Of the 20 million Americans who attend college each year, approximately 12 million rely on student loans to cover costs. If you are part of this group, you know one thing to be true: this debt can begin to weigh on your mind from day one.While it may be a dream come true to earn your college degree without taking on debt, this not reality for the majority of students.Student loan debt may be a part...
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Can College Students Really Save by Living Off Campus?

As a college freshman, it is safe to assume that you are living in one of your school’s dormitories. That being said, you are probably looking forward to the day when you can break free and live on your own in an off campus house or apartment.While the freedom of living off campus may be what you are truly looking forward to, here is something else to consider: you can save a lot of money by...
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Three Tips for any College Student Searching for a Job

Are you a college student? Have you come to the realization that you need a job? If you answered yes to both these questions, you are in the same position as many others at your school (as well as other institutions throughout the country).On one side of things, you understand the importance of finding a job as soon as possible. On the other side of the equation, you are likely concerned about the search process and...
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What Happens to Student Loan Debt after Filing Bankruptcy?

Are you bogged down with student loan debt? Are your finances in disarray? If you answered yes to both these questions, you may have something on your mind: bankruptcy.While many people believe discharging student loan debt through bankruptcy is a simple task, nothing could be further from the truth. Most debtors are unable to discharge this debt through either Chapter 7 or Chapter 13 bankruptcy.There is on exception: if you can prove to the court that...
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Rates on New Stafford Loans Double

Students borrowing certain need-based Federal loans after July 1, 2013 will pay a higher interest rate than previous borrowers paid on the same loan. Rates on new Direct Subsidized Loans, a need-based loan otherwise known as Stafford loans, will be 6.8% versus the 3.4% rate that student loan borrowers have enjoyed for the previous six years. The government estimates that 9.4 million loans will be made this year with the new interest rate. The rates for...
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The Student's Guide to Money Management - Controlling Debt

The Student's Guide to Money Management - Controlling Debt
Live within your means and avoid credit card and other bad debt. Live within your means, don't spend more than you make, don't buy it if you can't afford it - it all means the same thing and goes hand-in-hand with developing your budget. Some debt is good, such as a student loan that will help you get your degree and a better career, thus leading you to make more money than if you didn't get...
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The Student's Guide to Money Management - Budgeting

The Student's Guide to Money Management - Budgeting
College is a financially difficult time for many full-time students. You probably have significant education expenses, are likely to work a limited number of hours at a relatively low-paying job, and may often be tempted to splurge on the fun that's a natural part of college life. Money management can be challenging for people of all income levels, but the less money you make, the more important it becomes to stay in control of your money...
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The Student's Guide to Job Hunting - A Job That Suits You

The Student's Guide to Job Hunting - A Job That Suits You
As a young person with little work experience, you might not really know what kind of work you like to do. While you may not expect a job to be enjoyable, know that working in the right environment and doing something you enjoy can make your first job a positive experience. Knowing yourself is the key to choosing the right type of job for you. Ask yourself a few questions to help narrow your job choices...
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The Student's Guide to Job Hunting - Your Resume

Getting your first job is a big step. Before you even begin to submit job applications, you may be daydreaming about a fun, exciting job where you are appreciated by everyone, and all the money you make to buy the things you need and want.But landing your first job can be very frustrating, and even more so if you aren't prepared when you begin your search. Let's go over a few things to help you increase...
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The Student's Guide to Job Hunting - Your Appearance

When looking for your first job, it’s important to project an image that shows you are responsible, mature, and hard-working. Appearance does matter. It's just a fact that people do judge you by how you take care of yourself.Look at it from the prospective employer's view: A person who goes job hunting while looking like they just crawled out of bed isn't likely to put in much more effort once they've been hired. Your family and...
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