Never take a student loan. If that stretches your education to 7-8 years, that's much better than paying 15-20% of your salary to a banker for 20-30 years. Once the bankers get their hooks into you, you can't escape. (Well, maybe you could emigrate to sub-Saharan Africa and shake them off.) Know that lots of grifters and flam-flamers concentrate at college campuses, just to get a piece of you. The worst are the religious nuts, esp. the Scientologists. Regardless of your religion or lack of, never break stride as you walk away from them. Just say that you are a "hardshell Baptist" and you are not going to risk going to Hell to talk to them. If you stop to talk to a Scientologist, you risk taking that guy's place on the street and sleeping in a damp basement on a hard mattress on the floor. Happened to one of the smartest guys I know. Just keep walking. Never tell nuts that you are an atheist or a science student. If you do, you may become their special project for conversion. You are under no obligation to be truthful with the religious mentally ill. They eat away at your time for studying, and that risks having to repeat courses, which requires more money. Watch out for the recently graduated jock stars, who become salesmen of crap you don't need. They aren't quite good enough to go pro, and all they want is hang around campus and date the younger people. At first, it's flattering that such "important" people want your business. They become more intense as you approach graduation. If you need insurance, learn how to buy what you need from real professionals. Never buy a car from one of these guys based on a corporate letter-of-intent to employ you upon graduating. Keep focused on getting your college education and not becoming a slave. Maybe I should repeat: Don't take a student loan. It's a bad as the Indenture contracts that the poor had to accept in the 1700s.
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