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</html>";s:4:"text";s:9776:"If you have bad credit, you may not be able to lease an apartment, take out an auto loan, or refinance your student loans.And later on, it can prevent you from taking out new credit cards and qualifying for a mortgage. In addition to university-specific scholarships, research whether you qualify for other funding thanks to hobbies you pursue, the major you’re going into, and organizations you and your parents belong to. Start off with a checking and savings account. Or, you can invest your money in stocks and bonds and even retirement accounts. Learning to be your own advisor may save you time, money, and hassle. Look back at your financial mission statement and assess your current financial position to determine where you are strong and where you can stand to make improvements. 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