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Tied to your personal checking account, a personal line of credit gives you overdraft protection with no annual fees or transfer fees.And funds become available again as you pay down your balance.New at FICO: Learn more about FICO Scores and personal finance on our blog.Like my FICO's Facebook page and follow us on Twitter. Simply click on "Android" or "i Phone" to see the features for each type of device.Additionally, our star ratings are a mix of user feedback and Nerd Wallet’s independent evaluation which are independent of compensation.For a list of all of our advertising partners, click here'You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Don’t let the name fool you — you don’t have to work at Boeing to join Boeing Employees Credit Union.It’s a short-lived advantage that drops to 0.05% APY after.You also have to agree to electronic services such as paperless bank statements and one of the following each month: online bill payments, direct deposits, transferring funds between BECU accounts or debit card purchases.

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Direct (and former Stafford) loans are either subsidized (need based) - where the government pays the interest while you are in school or in a period of deferment, or unsubsidized - where you are responsible for the interest from the moment the loan is granted.As with all financial aid applications, it is important to fill out the forms completely and submit them as soon as possible.Repaying Student Loans When it comes time to repay your student loans, there are many factors to consider before you begin. You may have federal loans, private loans, or a combination of both.If your loan is unsubsidized, you have the option to pay the interest as it accrues, which will save you money long-term, or wait until the loan comes due and the interest will be capitalized.Perkins loans are always subsidized, while private loans are not.On your i OS or Android phones, you can access alerts, reports, FICO Scores and more -- anytime, anywhere. The credit cards board is your place to discuss many different credit card-related topics ranging from managing credit card debt to reward structures and everything in between.