Biggest Challenge

One of the biggest challenges my family and I will face during the next four years will be finances and the economic issues plaguing our country. I just recently turned eighteen, and I can't find anyone to give me a credit card, in order to begin my credit. Eventually, within the next four years I would like to get married, buy a house, buy a car, and support myself and my family, but I will be unable to do this if I am not able to build credit slowly or be able to receive loans. Even students loans are hard to come by this past year, and USF has lost almost half of its lenders. I also don't understand how college students like myself are going to be able to pay back loans, if they are unable to find a job to even support themselves during and after college. My parents have been trying for the past month to get a loan, and they have had some success but still have not succeeded in securing the loan. If my parents, who have had no issues before in securing a loan, are having difficulties receiving a loan, I do not believe I am going to be able to receive a loan and neither are most college students for homes and other aspects of life. To be honest the banks are the ones who screwed up by allowing inidivudals to take out loans in hundreds of thousands of dollars, who were not making enough money to pay the loans back. I believe it will take a lot longer than 4 years for our country to turn itself around, because it took us many years to get this way. I also know the economy is constantly changing, and in a lot of ways, we got ourselves to this point. People were spending money and swiping their credit cards, but they were unable to pay them off. The government always spends money more than most would like, but this is not all the governments fault. It is us as inidivudals wanting luxuries of life, which most of us are unable to afford, at least at the moment. I hope for not only myself and my family but for all the families in this country suffering economically, we are able to get ourselves out of this economic crisis.