Now, that I have graduated, and I have a desire to start a small business, where should I look for a loan? I have not accumulated much in terms of debt, and have a high earning potential. Are there lenders who specialize in cases such as mine?
These are common questions that arise for recent college graduates. Many start to ask themselves these questions before graduation. It’s never too early to plan ahead, as the “early bird gets the worm”.
Let’s cover a couple of areas for the recent college graduate who has completed Master’s in marketing online and is looking to make his entrepreneurial journey. The first will be areas to look for a loan to assist you in those formidable early years. Next, we will visit some tips for managing your money.
Looking for Loans
When someone does not have a long credit history, it can be challenging to find a lender who recognizes the earning potential of the applicant. This is especially true when the applicant’s credit score is not as high as they would like.
While there is no one specific lender out there that is unanimously at the helm, there are plenty who are willing and able to meet this need. The key is to do your homework first (sounds familiar).
It’s not necessary to have a 700 credit score to secure a loan; however, your debt to income ratio should be a reasonable percentage according to Upstart personal loan review. For the entrepreneur at heart, the good news is you can use some of these funds (or all) for your small business startup.
For the Future
Early in our lives, we were taught the importance of saving. Many of us had a “piggy bank” of sorts and would save coins for a big purchase, be it a remote-control car or a kite. The reality is that few of us indeed have held true to this guiding principle as we have gone through our teenage years.
The Financial Literacy and Education Commission is a great resource for helpful suggestions on saving for the future.
The reasons are many why this is important, and it’s not just about you. Say, for example, you marry the love of your life and decide to have a family. With children in the picture, you want to ensure your family is taken care of.
Being you are a recent college graduate, the costs associated with this are fresh in your mind. It’s important to start saving for your kids’ education early on, would you not agree?
Saving With the Government
Contrary to popular belief, the United States government is not out to get everyone. In fact, it has proved to be a valuable resource for financial security. Take the ease at which anyone can now purchase U.S. Treasury securities online as an example.
Options are aplenty to ensure that you, and your family, will be in a good financial position in the future. However, it’s up to the individual to do the legwork necessary to learn about their options.
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