We all know we’re supposed to pay our bills on time. But even the most responsible folks can somehow miss a payment. Addresses change, memories lapse and sometimes hard times hit.

by Cody Cobb

Here’s what prospective students should consider before borrowing money to pay for college.

If you’re getting ready to apply to college and don’t have the funds to pay for your entire education, you might think that taking out student loans is a necessary evil.