What is Microbial Induced Corrosion? How Do Cellphone Towers Work? Why Your Fan Club Needs Personalized Ball Caps 7 Benefits of Physical Therapy After an Injury Your Guide to the Pharmaceutical Sales Industry What You Need to Know Before Moving to Indianapolis 6 Ways to Lower Your Cell Phone Bill 5 Ways to Pick Your Private Airline Service The Pros and Cons of Synthetic Oil 7 Tips for Maintaining a Healthy Bladder 5 Must-Have Heels Every Woman Needs in Her Closet 4 Powerful Tips for Overcoming Alcohol Addiction 5 Benefits to Working Out With a Friend How to Pick The Right Engine Oil 5 Things You Need To Know About Custom Coins 3 New Tactics to Improve Donor Retention Why 3D Glasses May Not Work for You The Most Common Room Fragrance Smells 6 Tips For Knowing Whether to Repair or Rebuild Electronics 5 Common Sublimation Issues Catfish Fishing Tips and Techniques 4 Fun And Crazy Lingerie Party Themes 7 Tips To Saving Money When You Shop Online 5 Reasons to Move to Raleigh 5 Tips for Getting Auto Financing With a Less Than Stellar Credit Score Top 5 Places in Texas to Purchase Land The Future of Mobile Gas Fueling How to Renovate Your Wardrobe 4 Truths to Know About Vaping 5 Safety Tips for Working in a Warehouse 6 Decorating Ideas for a Family Holiday Party 9 Problems to Avoid with Regular Pest Control Service 7 Important Things to Know Before Obtaining Your CDL License Preparing Trees For a Storm The Benefits of a Prepaid Phone Plan 8 Unique Photography Poses to Try for Brides and Grooms 6 Tips to Improve Company Culture A Guide to Understanding How Boat Insurance Works Tips For Reading The Housing Market Right Now 6 Great Ways to Show Off Your Fur Baby Everything You Need to Know About Hormone Replacement Therapy 6 Ways To Make Your Party Memorable 4 Signs it is Time To Replace Your Home Air Ducts 6 Reasons to Hire a Certified CPA 6 Tips for Opening a Restaurant Franchise How to Set Up Your Business Office from Scratch 6 Facts Everyone Should Know About Parking and ADA Compliance Three Reasons To Have An Outdoor Patio For Your Business What to Wear and Not Wear at the Gym 6 Tips For Purchasing An Anniversary Ring 6 Points To Note When Finding an Occupational Therapist For Your Child 5 Reasons You Should Take Surfing Lessons 6 Surprising Asphalt Facts You Didn’t Know How To Teach Your Children About the DNA Process of Replication A List of Adoption Terms Everyone Should Know 4 Benefits of Shipping a Car Instead of Driving It How-to Buy Glass E-Liquid Bottles on a Budget 5 Major Misconceptions About Keeping Medical Records 5 Steps For Selecting The Best Mower For You 5 Ways To Welcome A New Employee 5 Tips For Helping Your Children Deal With A Move How to Maintain Your Septic System 5 Creative Ways to Spruce Up Your Bathroom How to Improve Your Presentation Skills 7 Reasons to Hire a Personal Injury Attorney after Your Accident 6 Common Myths of Incontinence 6 Easy Tips To Get A Six-Pack 6 Amazing Ideas for Picking Your Bridesmaids Dresses How to Integrate Email and Direct Mail Marketing Campaigns 4 Reasons to Hire a Moving and Storage Company 4 Reasons to Have Regular Car Maintenance Cigars: A History Preworkout Debate: Stimulant vs. Stimulant Free What Microbes are in Your Water? 6 Tips for Drawing Smallmouth Bass Out of Their Deep Summer Haunts Gun Range Basics: Everything You Need to Know Top Luxury Travel Destinations This Summer 4 Advantages of Bacteriostatic Water 6 Benefits of Prepaid Cell Phones Top 6 Reasons to Move to Canada This Year Everything You Need to Know About Making a Vinyl Sign 5 Outside Fitness Activities to Try this Summer 4 Important Facts to Know About Brain Injury Legal Outcomes 6 Ways to Stay Organized for Next Year’s Taxes How-to Decorate Your House Using Antique Furniture 6 Benefits to Steel Building Systems Construction 5 Ways to Live a Fit Lifestyle if You Hate Working Out 5 Signs It is Time to Talk To Your Parents About Assisted Living 5 Unique Ways Men Can Prevent Urinary Incontinence 4 Ways to Honor Veterans You Know Importance of Taking Control of Your Finances and Having No Debt 4 Tips For Getting Your Child To Sleep In Their Bed 3 Surprising Benefits of Dentures 5 Quick Ways to Save Money When Buying Toiletry Items 3 Vintage Clothing Styles to Rock This Winter 5 Reasons You Should Practice Laboratory Safety 5 Tips for Child Proofing Your Electrical Outlets and Appliances 7 Creative Uses for 5 Gallon Buckets 4 Things You Didn’t Know About Chiropractors 5 Reward Credit Cards You Need to Consider

Top Loan Options for Young Adults

As you get older, it becomes up to you to decide how to handle your finances. You must decide how you will earn money to buy clothes, go on dates or pay for school. In some cases, you may be able to pay for expenses with cash. However, you may need a loan to make larger purchases or pay for college. What are some of your loan options?

Apply for a Credit Card

The common type of loan for a college student or someone just out of college is a credit card. You will be extended a credit line of anywhere from a few hundred dollars to a few thousand dollars. The amount of the loan will be determined by your credit history, your income and your age. If you are under 21, you may be deemed too risky for anything other than a student card that comes with a balance of less than $1,000.

Personal Loans Can Be Helpful

Another loan that you may be eligible for is a personal loan. Personal loans can be used to consolidate debt, finance a vacation or help you get the money needed to start a business. The lender will provide you with money that is deposited right into your bank account. From there, you can do whatever you want with it as long as it is repaid.

Peer Loans May Be Something to Look At

A peer loan is a loan made by another person as opposed to a bank or financial institution. Peer loans are like personal loans in that you will repay the loan with interest over a set period of time. However, there may be fewer restrictions as to how much you can borrow and what type of credit you need to be approved for a loan. This is because an individual may be more forgiving of your shallow credit history or of past indiscretions with money.

Loans Can Be Made From a 401k

If you have a 401k that allows for loans, you may be able to borrow against your retirement fund without penalty. You can borrow up to 50 percent of your current loan balance up to $50,000. There is no credit check, and the money goes back into your retirement, which means that you are paying yourself for the right to borrow your money. It may also be possible to withdraw money from a retirement account to help pay for a home or medical expenses without incurring any penalties.

Applying for a loan may make it possible to stay financially afloat while you look for a job or a steadier source of income. It may also be possible to use a cash advance to make a large purchase that will help increase your net worth. Remember, you should never borrow more than you need or can afford to repay in a timely manner.

2016 Kickercon News Blog