Are you in debt?  You are not alone and other people know!  Credit card companies’ research show that many individuals develop their spending habits for the rest of their life while in college.  If you don’t believe us, just think about how many rooms you could have wallpapered in credit card offers you received in the last few years.  Between credit card debt and student loans, graduates are finding themselves owing thousands of dollars upon graduation.  In fact, college students today are graduating with an average debt over 3x higher than those who graduated a mere 10 years ago. (I don’t think we should put numbers in. If people are at the average or under it they won’t feel scared to learn more .. ie click an ad.  If we make them feel scared about their 13K or 28K…well you get the idea).

The credit card companies and the student loan sharks are not going to accept a 12-pack bribe or IOUs scribbled on bar napkins.  So what can you do to keep the debt collectors away and not let anyone repo your beloved iPod?  Don’t worry; our kickass advice will give you the basics on your budget…free.

Consolidate your student loans.  There are several student loan consolidation companies that will help you reduce your student loans.  Keep two things in mind.  First, secure a locked-in fixed rate loan; a variable rate is too unpredictable in this volatile market.  Second, do not extend the terms of the loan—the additional interest will hurt you in the long run and have some people paying back for their college experience into their 40’s!

Get rid of credit card debt.  From this point forward, stop using credit cards for date nights, movie rentals, beer runs, and lattés.  There are two schools of thought concerning credit card debt.  One theory is to always pay down first on the cards with the highest interest rates.  But on an psychological level, paying off the smallest ones first can prove to be positive since you’ll feel like you’re making progress digging out of the abyss, and thus will be more likely to continue.  One last bit of advice, which demands great self control, is to apply for a new credit card with 6-12 months 0%APR AND free balance transfers.  Work to rid yourself of this debt once your introductory grace period is over, your interest APR can be through the roof! We’ve heard stories about the people who use this strategy again and again to get through college without paying

interest, but watch your bills because they add up very quickly.

Getting an early start on reducing debt and consolidating your student loans is essential since soon you may have new bills such as a new car or home.  Want to make paying your debt off even easier?  Land a job through Kickass Careers or learn more with one of our featured sponsors.  We have only touched the tip of the iceberg and encourage you to learn more about consolidating and see how much money you can save on your student loans. We can’t wait to hear about your success.
 

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