Let me put it out there: whoever said money couldn’t buy happiness was a moron. Aside from being a super dad-like statement, it’s completely false. While I’ve always suspected a little extra cash brings on the smiles, a study out of the Wharton School now also suggests my inklings are spot-on.

As if we needed a study to tell us this, it looks like the truth might actually be we’re simply happier people when the bills are covered, the loans are paid, and there’s a little extra play money lying around for those just-because purchases. As a college student or a recent grad, you probably feel the financial strain more than most groups within society. Rent, school, transportation, random incidentals…chances are you’re paying for one or more of these hefty items on your own with minimal life savings to your name.

And that’s all before you factor in the cost of shopping, vacations, and going out…if you can even afford to do those things. So what are we left with? A lot of debt, a lot of stress, a lot of mail we don’t want to open, and NOT a lot of affordable ways to de-stress. Read More »

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I’m grateful of my parents for many things: bringing me into this world, my killer sense of humor, taking me to morning band practice in high school at 6a.m., etc. However, there is one thing that I’m grateful for that most people is crazy:

I thank my parents for making me pay for my own college education.

You’d think that any parent with the financial ability would just automatically pay for their child’s education. It’s their duty, right? Well, my parents decided to take a different route. They believe that paying for your own college forces you to do better. To them, if your parents are paying for your college, it doesn’t matter if you fail a class. Mommy and daddy can just pay for you to take it again. They believe that not only will I most likely do better, but that I will appreciate my education more if I pay for it myself.

What I love about this is that in my family, I’m treated like an adult. I may be the youngest of three and to my parents I will always be the baby, but they acknowledge the fact that they raised an independent and mature daughter. My parents were the complete opposite of helicopter parents. They gave me enough space to make my own mistakes, learn from them, and now I’m much more self reliant and stronger. To me, paying for my own college is my parents’ final lesson.

If I can do this, I’m ready for the real world. Read More »

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Don’t deny it; you know you have a closet full of free t-shirts you got when you signed up for a credit card on the way to a football game. Those damn banks and credit card companies have tents and tables all over campus luring you in with free sh*t if you sign up for one of their student-specific credit cards.

Free stuff and a new credit card? Hell yes! What’s the harm, right?

How about serious credit card debt (an average of $2,623 for college seniors nationwide)? Or serious credit issues – the kind that got us into this whole recession mess in the first place – after graduation?

We all know that credit card companies target college students because we don’t know how to handle our money, but it seems they aren’t the only ones profiting. According to the New York Times, our very own universities are selling our information to those guys! Instead of protecting us and our futures, our schools are handing us over to the sharks and promoting our potential to incur serious debt.

Shouldn’t universities – places of learning – teach us how to manage money instead of profiting from our lack of experience? Doesn’t working with credit card companies go against the role of a university in the first place?

What do you think?

[Photo courtesy of NYTimes.com]

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It’s difficult enough entering into the real world without having to worry about paying back thousands upon thousands of dollars in student loans in the years after we graduate. It’s best to think of that money as an investment more than an evil, insurmountable debt that is going to be attached to our backs for years. But there are some options to lessen that weight in the forms of loan forgiveness.

If you aren’t familiar with the process, loan forgiveness is the cancellation of all or part of your student loans if you decide to go into certain charitable fields for a certain amount of time. Below is a list of some areas that offer loan forgiveness, but it’s not comprehensive. In fact, if you go into some sort of public service upon graduation, it wouldn’t hurt to consult the Human Resources department to see if your job qualifies for the program. Also, the military offers numerous loan repayment programs.

Volunteering

Americorps A year of service gets you up to a $7400 stipend and around $4500 to use against a loan.

Peace Corps Volunteers can get a loan deferment and up to 70% loan cancellation. Read More »