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Borrowing money for college is very normal. Over 50% of college students today need to take out student loans in order to afford going to school. However, there are many different loans you can obtain. If you are a young student with no credit or very little credit you may need to obtain a cosigner for your loans. However, as a cosigner there are many things to think about before you sign your name on the line. Consider the following pros and cons of cosigning and obtaining a cosigner for student loans.

Principle #4: Your “customers” will not show up until you do. The 10% of people who want and need your stuff will not show up till YOU DO. You must show up first. You must stand up and say “This is who I am, this is what I have to offer, and if you want some, let’s talk.” Think about it, do you ever buy anything from someone, or from a company, without them first coming to you? Rarely, if ever does this happen. Usually, we see an advertisement, or someone makes a referral, or we find it on the internet. The point is, these people and products are already OUT THERE either finding you, or available for you to find. They have “shown up” and said “this is what I am, this is what I have to offer.” To employ Principle #4 that’s what you must do as well.

Repayment status begins as soon as you graduate. If you enroll in a graduate degree program you can defer your loans while you are still in school. There are other deferment methods such as economic hardship deferment.

Sometimes, and more often than not, they either get a lower paying job in their field or they find a job that is not in their field. Either way, they are making less money than they expected, which puts them in a difficult spot when having to pay on their loans.

Another creative idea is to create a blog or twitter account specifically designed to help you study on the go. The idea is that you blog or tweet about your study topics (without referring to your notes) as if you’re summarizing the textbook itself. You can use this as an excellent indicator of whether you actually understood a topic. During your commute, think about what you learnt in class and try to summarize it into a blog post. Extra points if you can summarize it into a 140 character tweet! Your friends can then join in to correct or out-summarize you and it becomes a powerful social learning experience.

So how does it work? First, you need to specify your long-term goal. After writing down your long-term goal, you can start making your action plan. This contains your daily, weekly, monthly, and yearly (if applicable) study goals and the steps you will take to achieve them. The idea is to reach your ultimate goal by doing smaller and manageable steps as you go along. As the old saying goes, “How do you eat an elephant?” The answer is, “One bite at a time.” Your elephant is graduation, your short term goals are your bites.

Recognizing your life purpose is all you need to see your own life with a new pair of eyes. Once you’ve got the clarity, the next and final step is to set goals for life as well as your career. Prioritize what’s essentially important to your existence and set the goals that you would love to achieve and will bring peace to your mind.

Developing well established study habits for a child begins with parents. Just like the old adage, “it’s not what you say, it’s what you conduct.” Well established study habits should begin at a very young age; when a child is one to two years of age, he or she is ready to begin training in acquiring well established study habits. The initial lessons begin with his or her observing parents at work modeling well established study habits.

Government computer help paper clip loans and private student loans are the two types available. Government loans usually have a lower interest rate and less stringent requirements. But they do have more requirements. Private loans, on the other hand, have higher requirements, such as grade point average, and usually charge higher interest rates. Private student loans are more fluid in their demands and can often be negotiated while the opposite is true of government loans.

I have not personally made the best choices in my life. When my Dad passed away I chose to blame the world and I became very angry and bitter. Rather than choosing to continue living the life that I had been; doing well in school and creating a great life, I chose a different path.

This is your route map of how to stay ahead of others financially by setting up your own passive income streams that are residual in nature, just like those that do this for a living full time.