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[C810]College Students And Depression

by Evelyn Saunders, Eve

College is a time to meet friends, build a resume and expand your mind. It’s also a time to gain your independence and learn a few life lessons without your parents there to save you. A time will come when you need to make a major purchase on your own. Whether it is buying your own car, stereo or you just need to pay for books, you will probably end up getting student loans.

You may find yourself shopping around for private student loans
. Qualifying used to be an insurmountable task without a high-paying steady job, but today is easier than ever to qualify. You may only be required to have a job or some proof of income to get your first student loan. Take your time and shop around before you start applying. Pay attention to things such as loan terms, fees and annual percentage rates. Watch out for things like prepayment penalties. Be aware that if you ever make a late payment, it can instantly raise your percentage rate to a much higher amount. Many college students are unaware that even one late or missed payment will blemish their credit history for years. You want to be very careful in not only selecting the loan that’s right for you, but also in your payment schedule and the amount that you pay. Paying more than the minimum looks very good on your credit and can save you a lot of money in the long-run. Never take out a loan for more than the amount that you actually need and make sure that you pay off the full amount as quickly as possible.

Small steps like taking out a private student loan can really help you build your credit. After college, it won’t be long before you’re in the market for a home. Buying a home may not be what is on your mind now, but it will be sooner than you think. Now is the time to establish a good credit history so that when the time comes you’ll be ready. Acquiring a student loan, making payments on-time and for more than the minimum amount due, can really help you build a good credit score. It shows lenders that you were financially responsible during a time when most people are not. It will speak volumes for your credit worthiness and can be a big factor when you apply for a mortgage. Some mortgage companies require an eight year credit history before they’ll approve you for a home loan, so start early and teach yourself the responsibility that you will need to be a success in your own life.

When you make your payments on time and when you are overall responsible for your finances, you will build your credit and you’ll usually be rewarded for your efforts. Banks and credit card companies keep track of your history and may offer you lines of credit or increase the amount that you are able to borrow. Be careful not to overspend or use the loan money for something other than what it was intended for. When offers start coming to you, only consider them for things that are absolutely necessary and when there is no other way to obtain the money. Make sure that it is an amount that you will be able to pay off before any other unforeseeable events happen in your life. Student loans are a great way to teach yourself the discipline of paying off something long-term. Just be careful and don’t take it for granted. Your credit score is something that you will soon hold dear and your life will be much easier in the future if you take care of it now.

Hollywood has so drastically changed the real image of college students that many employers are afraid to hire a student in certain areas of our nation. The idea that student's party, drinks, and never studies but is a bunch of spoiled children away from home is a very bad image to overcome. The young do know how to have a good time just like anyone else but that does not mean that they are irresponsible in college. Many young people have worked very hard to get into college and often work even harder to maintain their status at college.

What many people should consider is that most colleges will not keep anyone who does not keep a good grade point average, parties instead of studies, and shows up to class late or not at all. The colleges of today are very strict actually some students have remarked that going to college is tougher than when they were at home. Many young people feel that the college expects more from them than the high school that they attended. The student not only has to study, show up in class, but many need to work afterwards to help support themselves. It is not easy being a college student it takes a lot of hard work and plenty of patience.

Hollywood makes going to college seem like it is all fun and games. They show the Spring Break like it is just one big party that goes on the whole college year. The Hollywood moguls take great effort to make everyone think that our young people of today go to college to have fun and get away from their parents. The truth is that professors and college deans are not baby sitters nor do they run around checking out what your student is doing. Each student has to be responsible for them and if they do not meet the standards they are kicked out of school. Colleges has so many responsible people who are in school to make a good life for themselves that study hard and mind the rules that they do not have to tolerate the unruly.

The problem faced with colleges today stems mostly from the behavior of athletes. The athletes are in a prime position because of their ability to play games to get by with more things than the average student. The colleges still make requirements of their athletes and if they do not comply they can be heavily fined and even yes lose their place on the team or be kicked out of school. Everyone who goes to college is expected to be a very responsible adult and in most cases they most certainly are not the product that Hollywood would like us all to believe.

As you grow old, you'll realize that life is all about yourself and society doesn't care what you look like or what you do. No one cares that you drive an Escalade or a Jaguar. No one cares that you live in a 8,000 square foot home. In the end, it's all about being respectful and respecting the ones around you.

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Both Evelyn Saunders & Tom Tessin are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Evelyn Saunders has sinced written about articles on various topics from College Student Loan, Debts Loans and Flirting Tips. About the Author: Evelyn Saunders, a retired teacher, is the editor for student-loans.net, a provider of and information on how to get. Evelyn Saunders's top article generates over 3600 views. to your Favourites.

Tom Tessin has sinced written about articles on various topics from Mileage and Fuel, Education and Finances. Find where you can start building your credit and more of Tom's work at FINDcollegecards.. Tom Tessin's top article generates over 673000 views. to your Favourites.