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Astonishingly good debut novel by former Winnipegger Sandy Shefrin Rabin

Sandy Shefrin Rabin/book cover

By BERNIE BELLAN
One of the great joys of being in the position of editor of a Jewish newspaper is being on the receiving end of what seem to be a never-ending series of well-written books, either by current Winnipeggers or former Winnipeggers.

In the past three months I’ve had the pleasure of reading books by Allan Levine, Jack London, and Mira Sucharov. I would recommend any of them to readers of this paper – as I have in previous issues.
But, when I was contacted by another former Winnipegger by the name of Sandy Shefrin (whose married name is Rabin) some time back, when Sandy told me that she had written a book and was looking for a good publisher, I must admit that while I remembered Sandy’s name as someone who had grown up in Winnipeg around the same time as me, unlike the three aforementioned writers, I had no idea whether Sandy was a good writer or not.
If truth be told, when Sandy had also written in her email to me that what she wanted to publish was her first novel, as someone who has also received many first-time novels, my expectations were not all that great.
And so, when Sandy contacted me again recently to say that she had published her novel – and had followed up my advice to contact Friesen’s Publishers – a company which I knew had a reputation of being a quality publisher, I replied to her that I would get to her book once I finished reading some other books whose authors I had promised I would review.

I shouldn’t have waited.
From the moment I began reading the first chapter of “Prairie Sonata” I realized that Sandy was a writer of immense talent. Her descriptive language was breathtakingly beautiful – not overly laden with the kind of flowery prose that one might have anticipated reading when a first-time writer wants to show off how expansive his or her vocabulary is, but so evocative that I could picture her scenes as vividly as if I were right there with her characters.
And, what should “Prairie Sonata” turn out be about, but a story set in a fictitious Manitoba town called “Ambrosia”, beginning in 1948. Ambrosia actually is a thinly-veiled version of Winnipeg in so many respects (and if you read the following article, in which I ask Sandy why she didn’t just use the real Winnipeg as the location for her novel, you’ll read the answer to that question).

The book opens with the narrator, an 11-year-old girl by the name of Mira, wistfully recalling her childhood:
“And I would go back there if I could. Despite the freezing winters and piercing winds. If I could be in the same house and look out of the same windows at the long, arching tree branches laden with snow and watch the feathery snowflakes waft down from the sky like fairy dust. And if I could hear my mother in the kitchen, the rhythmic tapping of her wooden spoon against the sides of the bowl as she turned flour and shortening into a delicious cherry pie, so delicious it was almost like a miracle.”
As the story develops we learn that Mira has what we might consider an idyllic childhood, surrounded by loving parents – her father the town surgeon, her mother a thoroughly competent homemaker who always seems to find the right thing to say to Mira, and her little adoring brother Sammy, who is three years younger than Mira.
Into this tableaux of happy characters enters “Chaver B”, as he is known – a new teacher in the Peretz School (a name familiar to anyone who grew up in Winnipeg’s Jewish community). Chaver B, or Ari Bergman, which is his full name, is a survivor of the Holocaust and, as one might anticipate, he carries an extremely heavy burden within him.
As it also turns out, Chaver B is an accomplished violinist, but for some reason he does not play the violin himself any more. He is invited to the Adler home for Sabbath dinner and, while there, he discovers that Mira is also studying violin.
He offers to give Mira violin lessons when he is told that her former violin teacher has left Ambrosia. What develops though is not just a warm relationship between student and teacher, it is an opportunity for Mira to learn about life and for Chaver B to have someone to whom he can open up about what has happened to him.

There are many insertions of Yiddish phrases, often whole sentences throughout the book, and while the author does provide translations for many of them, some are undoubtedly included just to add a flavour to the time and place in which the story is set. While it would undoubtedly help to be able to understand Yiddish in order to appreciate the precise aptness of a certain expression, as someone whose knowledge of Yiddish is rather limited myself, by sounding out the words in my mind I was taken back to a time when my own grandparents spoke Yiddish between themselves. I would think that even someone who knows no Yiddish at all can get a sense of the cadence of that wonderful language in reading the Yiddish in this book.
While there have been more books written about the Holocaust than any other subject in history, “Prairie Sonata” is not really another Holocaust book. It forms a major component of the story but, as Mira grows from a bright and cheery 11-year-old to a mature 15-year-old, we get a full sense of what life was like in a bygone era, not too long after the end of the Second World War (which, by the way, precedes Sandy Shefrin’s own childhood by several years; this is not an autobiography, as Sandy explained to me.)
Each chapter of the book begins with a quote from something written by a host of well-known writers – and although they reveal the extraordinarily eclectic breadth of the author’s acquaintance with a vast number of literary works, trying to understand the significance of each quote is a bit of a puzzle. I’ll leave it to others who have far more refined literary tastes than my own to figure that out – and perhaps get back to me with an explanation.

One other wonderful element to the story is the explanation of musical terms that may be familiar enough, but whose actual origin is likely known only by music students themselves. In one vividly drawn chapter, Chaver B explains to Mira how a sonata is actually structured. In doing so, the author is also explaining to the reader why her book is structured the way that it is.
Music plays such a central role in “Prairie Sonata” that I often had to stop reading to go and listen to an actual piece of music that is referenced so that I might understand why that particular piece would elicit the type of reaction that it does from Mira when she first hears it played.
To reveal too much of the plot would be a disservice to readers. Suffice to say that, as Mira learns more from Chaver B about what happened to him during the war, she begins to understand the meaning of anti-Semitism. Having grown up in a rather sheltered environment in Ambrosia she is really quite innocent, even though she would have been a young girl during World War II. Discovering the unparalleled cruelties of what happened to Europe’s Jews through Chaver B’s story is something that will resonate with anyone of any age – not just someone close to Mira’s age.
While “Prairie Sonata” might be considered a work of juvenile fiction, and it is definitely recommended for young readers – perhaps even pre-teens if they would be interested in a coming of age story, I would say that this book – if word of its brilliance spreads, will find an audience especially among Winnipeggers and former Winnipeggers who remember a time when life was somewhat simpler – without all the technological distractions that nowadays seem to combine to rob young people of the pleasures that come with encountering the world without having to experience it through social media.
Our community has produced a number of talented female writers whose books are intended for a young audience, including Carol Matas, Eva Wiseman, and Harriet Zaidman. While we can now add Sandy Shefrin’s name to that list, I would suggest that “Prairie Sonata” can fit into so many different categories of fiction that it will appeal to readers of all ages. And, at a time when so many of us are looking for something that will help take us through what, for most of us, is the most difficult period in history, I could recommend nothing more absorbing than taking your mind off what we are going through than this book.
Prairie Sonata
By Sandy Shefrin Rubin
Friesen Press, published 2020
267 pages
Currently available on Amazon in either print or Kindle format

 

Sandy Shefrin on growing up in Winnipeg and how she came to write “Prairie Sonata”
By BERNIE BELLAN
When I was first contacted by Sandy Shefrin Rabin quite some time ago, I told her that I remembered the name Sandy Shefrin from long ago – when we both were teenagers. When she went on to tell me that she was a first-time novelist, well – I’ve heard from a fair number of writers over the years asking me whether I’d like to read their books, so I can’t say that I was in any rush to read her book.
At the time that she contacted me I didn’t ask Sandy for any information about her background. It was only after I heard from her again not too long ago to tell me that her book was actually published – and she wondered whether I would like to read it, that I became interested in finding out more about her. I asked her to send me some biographical information.
So, in addition to her book, which she sent me as a pdf, she also sent me a picture of the book jacket. The back of the book jacket contains the following biographical information:
“Sandy Shefrin Rabin grew up in Winnipeg, Manitoba, in a community much like Mira’s. She holds both a B.A. in English and an M.D. degree from the University of Manitoba. She completed an Internal Medicine residency at McGill University and her Neurology residency at the New York Hospital Cornell Medical Center in Manhattan. She currently practices Neurology in Marin County, near San Francisco.
“Sandy has written for the Marin Independent Journal and has been published in several medical journals. She lives in Mill Valley, California, with her husband and has three sons. Prairie Sonata is her first novel.”

In a subsequent email I asked Sandy to expand some upon her educational background and how she ended up where she is.
Here’s what she wrote back:
“I grew up in north end Winnipeg on Inkster Blvd. I am a graduate of I. L. Peretz Folk School and St. John’s High. I earned a B.A. in English from the University of Manitoba and my M.D. degree from the University of Manitoba.” (She later told me she left Winnipeg after graduating from medical school, when she was 25.)

A neurologist, I thought – with a very impressive CV. So, why did she decide to become a novelist I wondered –and, to be honest, since I knew that we are close in age (and I’m not exactly a spring chicken), why did she wait until now to turn out her very first novel?
So, I asked Sandy that question. Here’s what she wrote back:
“I wrote the book for a few different reasons. I had just written an article about my mother in remembrance of the fourth anniversary of her passing, and although I felt good about having remembered her that way, I was left with an uneasiness; after a couple of generations, who would remember her, and who would remember my father who died almost fifty years ago? They would become no more than people in photographs or videos. Who would remember their essence?
“So I decided to write a story set on the Manitoba prairies and use my parents as prototypes for the main characters. I created a fictional town, Ambrosia, since my mother was born and grew up in Winkler. In the end, neither my father nor my mother became any one character in particular, but you can see glimpses of them in several of the characters throughout the novel.
“I feel privileged to have had a wonderful childhood growing up in the north end of Winnipeg. Much of what I create in the novel is based on the Winnipeg Jewish community – especially Peretz School – fictionalized and transplanted to Ambrosia. Peretz School was a unique and wonderful place with caring teachers, and I wanted to capture that experience and hope that I have done so in a positive way.
“Another impetus for the novel was the state of the world at the time I began writing. I started writing in early 2016 when ISIS was at its peak, and we were able to witness their atrocities on television. I was shocked that the world had descended to this level of barbarism, and it made me wonder if civilization had advanced at all over the ages. While growing up, I remember thinking that the world was definitely going to become a better place over the years, but it certainly seemed to be falling very short of that goal. Little did I know at that time that the next four years were going to bring even more turmoil — and not just Covid-19 – but also division among people and worsening racism and anti-Semitism around the world. These last four years serve as a lesson in how quickly a society can change when presented with misinformation and lies, and how we all need to remain vigilant against bigotry and hatred, issues that my novel addresses. Mira, my main protagonist, struggles not only to cope with the random uncontrollable things that happen in her life but also to understand why one human being would willfully perpetrate evil on another. Out of these ideas grew Mira’s journey from innocence to experience.
“There are various themes in the book, both timely and timeless, and I think it would be a great addition to high school and college reading lists, and book clubs. I’ve included a Discussion and Study Guide at the end. I hope people enjoy reading it.”

Once I finished reading the book – and, if you read my adjoining review, you’ll see that I was simply floored at how good it was, I had so many more questions for Sandy. (By the way, as I write this, I’ve handed the book to my wife, who is also an avid reader. She herself said she was astonished at how good the book was when she had only finished the first few chapters.)
I asked Sandy whether she still had any relatives in Winnipeg?
She wrote back: “I still have relatives in Winnipeg from both sides, Shefrin and Danzker. My mom’s maiden name was Clara Danzker and she married my dad, Sam Shefrin. I have a sister, Myrna Shefrin, who now lives in Vancouver and a brother, Hersh Shefrin, who lives near me in Palo Alto. He won the distinguished alumnus award from the University of Manitoba in 2019. He’s an economist.” (We had an article by Myron Love in our May 29, 2019 issue about Hersh Shefrin’s receiving that award, by the way. You can find it on our website jewishpostandnews.ca if you enter the words “Hersh Shefrin” in our search engine.)

Although “Prairie Sonata” is labeled a work of fiction, there are so many passages that will remind quite a few of our readers of their own experiences, especially for anyone who had ever attended Peretz School, that I asked Sandy how much of the novel is based on her own experience?
She replied: “Good question. Prairie Sonata is a work of fiction; it’s not a memoir. Like many authors, my novel is informed by my own experiences, but it’s not autobiographical. I am not Mira. I never had a teacher like Chaver B nor did I ever have a relationship with a teacher even remotely similar to Mira’s and Chaver B’s relationship. “I was the youngest of three, not the oldest of two. My parents were not professionals. I studied piano for most of my youth, and learned a little violin in Junior High School, although one of my sons plays the violin. However, I did go to Peretz School, and I definitely wanted to capture the uniqueness and character of the school.
“Although I grew up in the 60s, the story takes place in the late 40s and early 50s, and the historical events that I describe took place during that time period, or some even earlier. Even some minor things were not part of the 60s. For example, there was no Yiddish theatre in Winnipeg in the 60s, as far as I know. The Friday night get-togethers at Peretz School were long gone by then. So I hope that anyone who attended Peretz School “would identify with the book.”

Something that I kept wondering as I made my way through the book was: Why did Sandy create a fictitious town – Ambrosia, when so much of what happens would be so familiar to anyone who grew up in Winnipeg’s Jewish community?
Her answer was that “I debated that for a long time, and you may be right, perhaps I should have, but ultimately I came to the decision to not set the story in Winnipeg for a few different reasons. I initially thought I would model the protagonist after my mother, who grew up in Winkler, although in the end Mira turned out to be her own character. I was interested in a setting closer to nature, and believed I could best accomplish that in a rural setting. I didn’t want a “city” book; I wanted a “country book,” a book about all that the fields and sky and the landscape evokes. Natural imagery is a big part of the novel, both mirroring and contrasting with what the characters are experiencing, and the landscape almost becomes a character in of itself.
“Someone suggested that I use a real place, such as Altona or Winkler, but I didn’t want to do that either, because I really knew very little about them and didn’t believe that I could accurately portray them in that time period, and would likely receive criticism for my inaccuracies. As I said, the book is not autobiographical, and I thought that if it were set outside of Winnipeg, people would be less likely to view it as a memoir.
“The novel is about Mira’s journey from innocence to experience. Ambrosia is defined as “the sweet nectar of the gods.” I thought that was the perfect name for a place that embodies the sweetness of innocence, in particular Mira’s innocence.
“Overall, I believed that a fictitious town would make the story more universal. So, I don’t consider the town of Ambrosia to be a façade, and I hope others don’t either. I wanted to create a work of fiction, and I thought that was the best way to accomplish that goal.”

Finally, I asked Sandy about her married name. How did she end up marrying someone with the name “Rabin” I wondered- and, was this really her first novel? (which I found so hard to believe because it’s so beautifully polished from beginning to end).
Sandy responded: “Rabin is really my married name. Funny you asked about a nom de plume, because my husband often said I should take one. I was never sure if he was serious. As far as I know, it was just shortened from Rabinowitz, but we haven’t talked about it in a while, so I’ll ask him again tomorrow.
“This is my first novel. I think my last short story was in grade six about the Mystery of Cornelia Hilltop — the mystery being that she had a twin, and then I wrote a short story that I sent into Chatelaine when I was about 14 that was rejected. I don’t even remember what that was about. I wrote a poem when Bobbie Kennedy died and sent it to the family, to which they graciously replied, but no novels.
“I know I’ve said already many times that this is not an autobiography, but I did have to get into my 11 and 12 year old head to write the book, and once I did, it just seemed to take off. I often wonder if I could write the same book again, or any other for that matter. I hope I can and will, but once I got going, it just seemed to flow. It was a lot of fun to write.”

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Author and lifelong nurse Tilda Shalof’s new book a guide not only for young nurses but one that will appeal to a wider readership

book cover of "The Handover"; aurhtor Tilda Shalof; student nurse Lisa Mochrie

By MYRON LOVE Tilda Shalof’s most recent book – “The Handover – a Nurse’s Last Shift” was, in the words of its author, “written for the general public, to understand nursing.  Nursing is everyone’s concern, not just nurses.  The general public has a stake in the matter,” she observes. 
I can guarantee that there are plenty of stories and anecdotes that the author shares from her own experiences that will also be of interest to a wider readership.   I certainly enjoyed the book.
The title – “The Handover,” she explains, is the regular exchange between nurses going off their shift and the nurses beginning the next shift, during which the outgoing nurses pass on all relevant information about the patients under their care to the incoming nurses.  A recurring thread throughout the book  – of close to 400 pages – is the retiring Shalof’s interaction with three student nurses whom she had recently befriended through one of her many speaking engagements.  In particular, Shalof gives co-writing credit to one Lisa Mochrie – a nurse who the author acted as mentor to during Mochrie’s last period as a student and continuing through her early nursing career. 
There is a tendency for many people to take for granted people I would describe as working in a service capacity such as nursing.  One of the reasons that Shalof points out in her book for our ongoing nursing shortages is that young men and women are more likely to be encouraged to pursue a medical career (to be a doctor) than a nurse.  This, she points out, despite the fact that hospitals can function without doctors – but not without nurses.
Some other factors, she notes, are the ever increasing demands of documentation – which detract from patient care – and regulations, which have taken much of the satisfaction out of the profession.
In an interview with this writer, she observes that Jewish nurses are few and far between because nursing is not a profession that most Jewish families encourage.  (I can only name a handful of Jewish nurses that I have known or have come across.)
She spoke about how she became a nurse early in life to her aged and ailing parents – being the only daughter – (she has three older brothers) and the last of her siblings to leave home.  In “The Handover”, she also makes frequent reference to fictional nurse Cherry Ames  –  the heroine of numerous books written between 1943 and 1968 – as inspiration for Shalof’s choice of career.
For the first 30 years as a nurse, Shalof worked in an intensive care ward at Toronto General Hospital.  She subsequently worked for a short time at an HIV clinic and, later a hospital day clinic and a neurosurgery unit.  She also spent several summers as a camp nurse at a Jewish camp while her kids were campers there.
“The Handover” is Shalof’s seventh book. Her first book, published in 2004, was “A Nurse’s Story,” chronicling her experiences over 30 years as an ICU nurse.  Among her other books are:“Camp Nurse,” recounting anecdotes from her time working summers at her children’ summer camps, and “Opening My Heart” – an account of the profession from the point of view of a patient after she had open heart surgery.
Coincidently, she notes, she began her first book around the time of the SARS outbreak in Toronto in 2003. Shalof says she started writing her latest book at the height of the Covid lockdowns, which she references from time to time in the book. .
The approach Shalof has taken in writing “The Handover” – following a foreword and introduction –  is literally an A to Z overview of everything there is to know about nursing –  with each chapter focusing on one specific letter of the alphabet. Each chapter relates her thoughts and tells anecdotes from her own nursing experiences over 40 years in the profession, as well as her interactions with Lisa Mochrie and the other two student nurses as they transition from students to professionals.
In her conclusion, she observes that “nursing can be a path to making a difference – having an impact.  It can be a front row seat at the theatre of life.  Or it can be a job, a way to make a living and help support your family. “
Most importantly, she added, “make sure you try to have some fun. Do everything in your power to enjoy being a nurse”.
 Although the now 67-yeear-old author is retired from the practice of nursing, she remains in demand as a speaker and advisor. She continues to get calls from throughout North America seeking her advice.“The Handover” is available from the University of Toronto Press. 

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Michael Mitchell: His Labour of Love in Law

By GERRY POSNER The Mitchell name in Winnipeg has been around a long time and much of the the name recognition stems from the long connection of the family to a business known as Mitchell Fabrics, a mainstay on Main Street for many years. Established by Mendel Mitchell generations ago and not closed until 2017, many family members, including in-laws, worked there as managers, students and retirees. And yet, the family vocation was not limited to just the business, t it stretched out into the world of law, and more specifically the field of labour Law. One particular Mitchell reached the peak of all aspects of Labour Law. Three Mitchells: Leon, son Grant (a senior management side labour lawyer in Winnipeg), and daughter April Katz (an academic at the University of Victoria Law School), had stellar careers in that field. Yet another Mitchell, Michael, also achieved great acclaim as a labour lawyer. Michael, a product of the south end of Winnipeg, is the son of the late Harry and Gertrude (Sirluck) Mitchell, so he has some impressive genes going for him. But he has added to the story immeasurably.

Perhaps it all began for Michael Mitchell when he graduated from what was the first and only Grade 7 Hebrew school class at Herzlia Academy. He later was Regional Vice-President of AZA in his teenage years. After two years at Joseph Wolinsky Collegiate and two more at Grant Park High School, Mitchell went off to the University of Manitoba for his first year and then on to the University of Toronto, where he obtained a BA in Political Science. Then came law school, also at the University of Toronto, from where he graduated with an LLB in 1975. Along the way, he married the former Lynne Berman ( also from Winnipeg).That union produced three Mitchell daughters, two of whom are physicians – in psychiatry and neurology respectively, while the third is a pioneering pre-school educator. Michael and Lynne also have six grandchildren.

For a large part of his career as a lawyer, Michael Mitchell practiced law in Toronto as a senior partner in the firm of Sack Goldblatt Mitchell – from 1980 through 2014, having joined the firm in 1975 as a student. The firm was committed to the union side practice of Labour and Employment Law. Not so surprisingly, he had to appear at all levels of courts, also administrative tribunals.To his credit, his work and impressive track record was recognized by his peers as he was named a leading labour lawyer in Canadian Lexpert Directory and was frequently recommended in Best Lawyers in Canada. Between 1982- 2006, Mitchell was also the managing partner of the firm, which suggests to me an ability to manage people, not an insignificant skill. During his tenure as the managing partner, the law firm grew from just under ten lawyers to over fifty, with offices in both Toronto and Ottawa. His responsibilities were firm leadership, strategic decision making and financial management.

But, what a career Mitchell has had. For starters, aside from his time as a practicing lawyer in the field of labour law, he has, since his leaving the practice, just changed hats. From 2015 to 2018, he was part time Vice-Chair of the Ontario Labour Relations Board and, from 2018 as of this moment, he has become full time Vice-Chair at the same Ontario Labour Relations Board. Needless to say that, over the course of his administrative work since 2015, Mitchell has been at the centre of some significant decisions and, if you are interested, I can direct you to the selected substantive decisions in which Mitchell has been involved.
Moreover, Mitchell has worked and continues to work in the area of mediation and arbitration of both labour and indeed civil law. This is a large area, to put it mildly. For starters, there is the entire field of grievance arbitration. To be involved in cases of this kind, your name has to be put up by one of the parties and often agreed to by the other party. That means you have credibility with both of the protagonists. Mitchell clearly has that kind of reputation and draws support from both sides of the aisles – as it is referred to in some circles. He has been an arbitrator/ referee in many cases, including the famous 1986-1990 Class Action settlement related to individuals who had contracted Hepatitis C. Further, he has conducted numerous civil mediations related to employment, contracts and human rights matters. Mitchell also mediates and arbitrates collective bargaining disputes.

One of Mitchell’s’ main achievements was that he was invited between 2015-2017 to be a Special Advisor (with capital letters, no less) to the Ontario Minister of Labour with regard to the Changing Workplace Review. This was a landmark review of the Ontario Employment Standards Act and the Labour Relations Act where he, together with Justice John Murray, recommended many legislative changes to protect workers from the negative impacts of precarious employment. The best part of his work was that many of th recommendations were actually adopted. Other recommendations remain for future governments across the country to consider.

If you really want to delve into the Michael Mitchell career, you should know that, over the span of his career there are many publications that he has authored. The main one is his textbook on the Ontario Labour Relations Board, which he co-authored with his early mentor, Jeffrey Sack, and which remains the leading authority on the Ontario Board.

Mitchell comes by his passion for labour law honestly. His uncle, Leon Mitchell, was an iconic force on the union side in his practice of law in Winnipeg and was the inspiration for Michael to enter law to become a labour lawyer in the first place. In fact, it was Leon who introduced Michael to a man in Toronto who recommended Michael to connect with an up and coming labour lawyer in Toronto named Jeffrey Sack K.C. That connection resulted in the Sack Goldblatt Mitchell law firm. As well, Michael was well known to Sid Green during the early years of Sid’s law career, also his early days as a Cabinet Minister in the Schreyer NDP government. Sid was a person who exerted a significant influence on Michael.

With all that on his plate, Mitchell found time to be the president of the Darchei Noam Synagogue in Toronto between 2004-2008. He has also been the president of the Jewish Reconstructionist Federation of North America. During his term, he led the merger negotiations which ultimately resulted in the current structure of that movement ,which is now referred to as Reconstructing Judaism. Its singular aspect is that it consists of a single organization combining congregations plus a Rabbinical School. That was enough to get Mitchell an invitation to attend one of President Obama’s Chanukah parties at the White House during the Obama term. As well, to this day, Mtchell sits as a Director of the New Israel Fund of Canada.

Mitchell has his feet still planted in Winnipeg. His two sisters live there, as well as Lynne’s sister. In fact, he just visited Winnipeg for his sister Ruth Ann’s and Paula’s 85th and 80th birthdays respectively. And to keep up to date, Michael and Lynne Mitchell have long had a subscription to the Jewish Post.

In short, at just under 80, Michael Mitchell is moving like he is eighteen. The longevity of his career may soon rival the longevity of the family business, Mitchell Fabrics.

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Building Credit in College for Future Real Estate Deals

Most college students aren’t thinking about mortgages. But the students who buy their first investment property at 25 or 27 started building credit at 19 or 20. The two are directly connected.

Real estate is a game of capital access. Lenders don’t care how motivated you are – they care what your FICO score says. A 760+ score gets you prime mortgage rates. A 620 gets you higher interest and fewer options. The difference in monthly payments over a 30-year mortgage can be tens of thousands of dollars.

The window you have in college to build credit without major financial pressure is one of the most underused advantages Jewish students have.

Credit Foundations: Where To Start

Your credit score is built from five factors. Payment history makes up 35% – the largest single component. Credit utilization (how much of your available credit you’re using) accounts for 30%. Length of credit history, credit mix, and new inquiries cover the rest.

For most students, the first practical step is a secured credit card or a student credit card. Secured cards require a deposit that becomes your credit limit – typically $200-$500. They report to all three major bureaus and build history the same way unsecured cards do.

The rules are simple but require consistency. Pay the full balance every month. Keep utilization below 30% of your limit. Don’t apply for multiple cards in a short period. These habits compound over years – a student who starts at 18 has 7 years of credit history by the time they’re ready for a first mortgage.

One underused option: ask a parent or family member to add you as an authorized user on an older card with a clean payment history. You don’t need to use the card. The account’s age and payment history get added to your credit file immediately.

Researching Investment Options During Studies

Business, economics, and finance students regularly analyze real estate markets as part of their dissertation. That work isn’t just academic – it’s actual market research that doubles as preparation for real investing decisions.

However, balancing dataheavy analysis, market research, and exams often leads to extreme burnout. To survive the final semester, many students look for external support. Some of them use EduBirdie – best dissertation writing services for timely delivery and consistent quality on deliverables when the research load is heavy. Outsourcing the formatting and drafting frees up time to dig deeper into the actual market data that matters for real investment decisions. The analysis you build during college becomes your knowledge base before you ever make an offer.

Smart students treat every finance and real estate assignment as a portfolio of personal research. That perspective shifts the work from obligation to investment preparation.

How Student Loans Affect Your Future Mortgage

This is where many graduates get surprised. Student loan debt directly affects your debt-to-income ratio (DTI) – a key metric lenders use in mortgage approval. Most conventional lenders want your total monthly debt payments to stay below 43% of gross monthly income.

If you graduate with $40,000 in student loans at a standard repayment, your monthly payment is roughly $400. That $400 counts against your DTI before you add a car payment or rent. Managing your loan balance and making consistent payments not only builds credit – it keeps your DTI workable when you’re ready to buy.

Income-driven repayment plans can lower monthly payments but extend the loan period. For mortgage purposes, lenders typically use the actual monthly payment shown on your credit report when calculating DTI.

Practical Steps For Building Credit In College

Keep Utilization Low

Staying under 30% of your credit limit matters more than most students realize. If your card limit is $500, that means keeping your balance below $150 before the billing date. Paying in full each month handles this automatically.

Monitor Your Score Regularly

Free monitoring is available through Credit Karma, Experian, and most major banks. Checking your score doesn’t hurt it. Set up alerts for new inquiries, changes in balance, or any accounts you don’t recognize. Catching errors early prevents damage that takes months to fix.

Build Your Credit Mix Over Time

Lenders like to see that you can handle different types of credit. A student card, a small personal loan, and eventually a car loan create a credit mix in college that strengthens your profile. Don’t open accounts you don’t need, but don’t avoid credit out of fear either.

Here’s a practical credit-building checklist for college students:

  • Open one student or secured credit card and use it monthly
  • Pay the full balance before the due date every month
  • Keep utilization below 30% at all times
  • Become an authorized user on a parent’s old card if possible
  • Check your credit report annually at AnnualCreditReport.com
  • Make all student loan payments on time once they enter repayment
  • Don’t close old accounts – account age matters

Understand What Mortgage Pre-Approval Requires

When you eventually apply for a mortgage, lenders will look at your FICO score, DTI, employment history, down payment, and reserves. The credit score threshold for a conventional loan is 620, but most competitive rates start at 740 and above. FHA loans allow scores down to 580 with a 3.5% down payment.

Starting to build credit at 18 or 19 means arriving at your first mortgage application with 6-8 years of credit history. That length alone adds 15% of your score. Combined with responsible utilization and clean payment history, you can realistically hit 740+ before you graduate.

The Long Game

Real estate investing after college isn’t a fantasy – it’s a planning problem. The students who pulled it off didn’t get lucky. They started building credit years before they needed it, kept their DTI manageable, and used their time in school to understand the markets they wanted to invest in.

The credit habits you build now are the credentials lenders will evaluate later. Start with one card, pay it in full, and let the history accumulate. Five years from now, that consistency becomes a mortgage approval and the keys to your first property.

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