Paying for school usually requires a combination of resources. When other options have been exhausted and you are faced with the prospect of borrowing money to pay for school, it's important to know if you're making the best decision for your future...

Believe it or not, it is completely possible to graduate from BYU without having to take out student loans!

Before you slide it into your wallet and head for the store, youve got some things to consider.

To get a good credit score, you must prove yourself financially. Responsibly using a credit card is one of the main ways to create a credit history and improve or maintain your credit score.

What is the time value of my money now, and what impact will that have on my future finances?

You'll need to keep careful, detailed, and safe financial records to be able to report correct information on taxes, FAFSA, and whenever else you need it.

Building credit takes a lot of patience, discipline, and time. Take these precautionary measures to ensure that your hard work pays off!