In the wild world of finances, it can be tough to get access to credit. For students who are starting out and having a hard time getting their first credit card, it’s hard to know where to turn. A company called Deserve helps make credit access possible. 

In today’s world, credit is essential. Whether you need to rent an apartment or car, purchase a mobile phone service plan, or want to earn cashback or rewards towards a dream vacation, you need a credit card to make it happen. Unfortunately, establishing credit has traditionally been difficult for some segments of the population, including students from other countries.

There is a fantastic new way to give the gift of education to any friend or family member. And, it’s even a method to help you pay down your student loan while earning miles and points. Gift of College is a college savings registry of sorts.

You can purchase gift cards from the company that the recipient (or you) can use to pay off a student loan, or establish or contribute to his or her existing 529 plan. For miles and points enthusiasts, it finally paves the way to earn valuable loyalty currency just for paying off your loan or helping someone else afford college. Let’s look at how the program works.