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Having more accounts is not automatically a negative factor in your credit history.
Combining all your debt into one loan eliminates multiple payments to different lenders and allows you to restructure your debt at a competitive interest rate.
Today, we predict, an industry will take on average 25 years to progress through all four stages; in the past it took somewhat longer, and in the future we expect it to be even quicker.
But, our research suggests, every company in every industry will go through these four stages—or disappear.
It is a little confusing because after you graduate, you probably will write one check to the lender each month to pay for the entire amount you borrowed.
As long as you make the payments on time and in full, the multiple student loans showing on your credit report will not have any negative effect on your ability to get new credit.
Companies in stage 1 industries should aggressively defend their first-mover advantage by building scale, creating a global footprint, and establishing barriers to entry by protecting proprietary technology or ideas.