One Way to Survive Your Student Loans

Nate VickeryThe following is a guest post from Nate M. Vickery. Nate is an economics graduate and entrepreneur from Sydney, Australia. Lately he is mostly engaged in finding ways to make money on the side, particularly from investing. Aside from work he enjoys spending time in the great Australian outback and sailing the ocean with his fiancée.

As we all know, being a student is the best and probably the most money-consuming time of our lives. Getting a diploma is not cheap at all, for it requires thousands of dollars spent on renting an apartment, buying food and supplies, books and college material, getting a new laptop, stuff to wear, paying the college entrance fee, paying for graduation, diploma, etc. All these require a lot of money, and students just can’t handle it all; sometimes, even parents can’t cover these expenses. In order to make it easier, students take loans which, will in most cases, come back as a boomerang, hitting them right in the face.

Penny StocksThe loans that students take out are usually presented as a means of support which should make it easier for all the students to cover all the expenditures during their college days. But, the loans are very strict in their return policy, so payment with extra interest is inevitable. Some students tend to work more than one job to pay the loan, and this can reflect on their studying and all the other life activities.

There are several ways in which students can escape this “loan trap,” and one way is to invest in penny stocks. However, it is a risky strategy and it is not for everyone. To do so, you need to find a reliable penny stock with a standard growth, and invest in it. These are not to be taken lightly, and as any other stocks, the more you invest and the smarter your investments are, the bigger the chances of getting a profit are.

Penny stocks are usually sold more than they are bought, so a valuable advice is to sell them quickly if they earn any returning profit; if the penny stock reaches 30 percent or higher profit, sell it right away, and invest in another. The reason is simple – almost all penny stocks that pass the 30 percent raise mark are immediately bought and kept, and so as time goes by, their prices are going to drop significantly. Earning money this way can help you pay off that student loan, and afterwards, you can teach all your friends and colleagues how to win on penny stocks.

There are many smart phone applications which can help you track these stocks online, and which are very handy when it comes to effective buying and selling. A few years ago, a 16-year-old junior from New Jersey turned his $10,000 into a $300,000 just by trading his penny stocks. His name is Connor Bruggemann, and is now one of the famous teenagers in New York. He started by playing sick, stayed at home, and started buying and selling American Community Development Group Inc. shares, buying them at $0.003 a share.

Over the year, he bought a ton of shares, and their price suddenly went haywire; he turned the 10 thousand dollar savings into a $300,000 profit, just by spending his free time selling the stocks via his iPhone during the school, breakfast, gym time, break, etc. He steered clear of the big and famous stocks, and focused on smaller and less important penny stocks instead. In one year, he earned himself enough money for another lifetime. I guess he won’t be needing any student loans.
No matter which method you choose, the loan will still need to be paid, so think twice for a second; is it better to work more than one job and still drown in debts, or invest in penny stocks, and cheat the system? I guess that the answer is more than obvious.


Blogger-in-Chief here at RetirementSavvy and author of Sin City Greed, Cream City Hustle and RENDEZVOUS WITH RETIREMENT: A Guide to Getting Fiscally Fit.


  1. Fortunately I have already completed my degree program and no longer have to worry about paying for college. I limit my investments to low cost index funds and have never traded stocks, and definitely not penny stocks. It seems like there are cases where they might work for some but definitely not for the faint of heart.

    • While I have invested in penny stocks – well actually it was one just one stock, years ago – like you, I generally limit my investments to low-cost index funds. It appears as if some have found some success with penny stocks, but as you note, those investments are not for the faint of heart. Anyone that tries their luck with them should have a very specific plan, that covers a short time period, in mind and understand there are high risks.

      • Exactly. If you are considering investing in these kind of stocks, you must be prepared. Learn about the company you are investing, investigate if they will be engaged in big projects in the future, invest carefully and sell if you get any profit. Don’t get greedy, penny stocks are unstable.

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