Hi Kids. People have been commenting that there has been less useful information and more paranoia, idiocy and douche-baggery in recent posts SO yours truly has decided to start at the beginning with this simple principle: You are taxed on what you make, and you pay interest on what you borrow. If this simple truth does not inform your big picture than you are hopelessly at risk of over borrowing.

Now I know what you’re thinking, if you got into a school good enough to merit borrowing to attend, then you should be able to add and subtract right? I am sure each of us has made decisions that are different from what we would have chosen as our answer if our situation had been presented to us as a word problem on the SAT.

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