After graduating from Princeton in 2003, Louis Beryl took a job in New York City trading energy derivatives. While his new employer, Morgan Stanley, promised to reimburse his relocation expenses, he needed $8,000 to front the costs of the move–not the sort of thing a 22-year-old with little credit history could get a bank loan to cover. So Princeton’s financial aid office lent him the money at 7% annual interest for five years. He paid it off six months after graduation. Six years later he needed to borrow again, this time to finance the M.B.A. and master’s in public policy he was

http://www.forbes.com/sites/laurashin/2015/01/21/young-broke-and-creditworthy/?linkId=11970749&utm_channel=Investing