My first college experience was at an HBCU, and I had no idea what to expect of college in general. I was very hands-on with financial aid applications and learning as much as I could about things I thought I should know coming into my freshman year. I had my work cut out for me though. By the time I got to graduate school, which was at a PWI, I felt a little bit more prepared but was still a little reckless financially. They also handled their financial business a lot differently than the HBCU I went to, which affected my thought process on money management. Although you’re presumed to know the basics in financial management coming out of high school, I wish there was more emphasis on that coming into your first two years of college. It would have been great to have a "best practices for managing finances” class to go over credit cards (when to get them, when not to use them), private loans vs. government loans and personal and business financial management.
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