Alright, school time is here and all well. I for one know that each and every freshman is loving the newly found college scene. Well, you know, new to them anyway. All you underclassmen are stoked about moving out of the house and into a cramped dorm or 8-roomate apartment. Okay, 8 is a little extreme, but it certainly has happened. The point is you’re broke, and loving every minute of it. Am I right, or what?

It’s funny how college works that way. I went into it with no cash and it was still a blast. I applied for student loans and a Pell grant. It was all good. I was able to make ends meet regarding tuition, books and cost of living. Of course there was no room for material things, but it doesn’t matter that much. Furthermore, you don’t really care that you’re living in a dumpy little dorm or apartment at the time. It’s all in good fun at that point in your life. Now, try to keep in mind the aftermath that goes along with college. I’m referring to the debt you accrue over the next four years. And it doesn’t take articles credit before you know it, it will be time for the consolidation of student loans.