Keeping a close eye on one's credit score is a good way of figuring out when is the best time to take out a loan, especially for graduates and undergraduates. Applying for a new credit line, especially for tuition and the expenses of college life can be a daunting task for those who don't know where to start. It can also become intimidating for those who feel pressured by banks to accept their loans over others, making the shopping around aspect of the entire process difficult. […]