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  • Thanks! I was hoping they would give me more scholarships but I ended up having to take out a loan.
  • So I heard you got into WNE, congrats! I'm also going there next year.
  • Yeah that's exactly what I got.
  • Same here, they only gave me the Presidential Scholarship.
  • Looks like we will both be taking out a loan for $20000.
  • The Next Day
  • That's so high! How'd you do that?
  • Wait what is your credit score?
  • It's a 710
  • Well last year I got myself a credit card and have been using it since. I made sure to make every payment on time.
  • Oh I got a credit card too, but I made a lot of late payments. Maybe that's why my score is only a 530.
  • Well I spent a lot of money customizing my car and I just don't always have the money to make the payments.
  • Why did you pay late so much?
  • You better watch out, that will definitely hurt you when you try and find a loan.
  • So I looked around for loans last night. I got denied a few times but finally found a decent one, even though the loaner is a little sketchy.
  • Well its a loan for $20,000 that I have to pay back in 10 years. It has a 10% APR.
  • Oh nice what were the conditions?
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