Features
A life snuffed short: 49 years ago a brilliant young med student by the name of Aron Katz drowned in the Whiteshell in the course of saving his own younger sister herself from drowning
By BERNIE BELLAN On July 21 I received an interesting email from someone by the name of Reid Linney that immediately aroused my interest.
Here is what Reid wrote: “Hi, I’m a member of St. John’s High School’s Class of 1969. We celebrated the 50th anniversary of our graduation in 2019 and embarked upon a fundraising effort for an annual scholarship. The scholarship honors our classmate, Aron Katz.
“In 1973 he gave his life while saving his sister from drowning.
“Aron was in med school at the time.
“Our class, and members of Aron’s family, raised enough money to fund an annual scholarship of $2,500.
“It’s awarded to a graduating student who shows academic promise and exhibits both personal courage and empathy for others.
“On Tuesday, August 16, at 9:00 am we’ll be meeting at the school to install a memorial plaque on the Alumni Wall.
“If you have any interest in joining us, please feel free to do so…
“Cheers,
“Reid Linney”
Reid’s email intrigued me. I admit though that I had never heard of Aron Katz, although he would have been only two years older than me at the time of his death. I responded to Reid:
“Hi Reid,
“This is a very poignant story. It reminds me of another story – also about a St. John’s student who died tragically around the same time (in 1971). Her name was Rebbie Victor. (She was shot by accident by another student in a prank gone terribly wrong because no one realized they were playing with a loaded gun.)
“I wrote about her in 2020 and that story really resonated with readers…
“Regards,
“Bernie Bellan
“Publisher,
“The Jewish Post & News”
Attached to Reid’s email was the text of the plaque that will be dedicated on August 16:
ARON KATZ
1951-1973
Graduating Class of 1969
Aron was an exceptional young man of great intellect and even greater courage, who in the summer of 1973 was about to begin his third year of Medicine at the University of Manitoba. He gave his life while saving his younger sister from drowning during a camping trip in the Whiteshell and was posthumously honoured for his heroism with Canada’s second highest award for bravery—The Star of Courage.
Incredibly bright, unselfish, kind and humble, Aron was the second youngest of seven children who grew up under very modest circumstances in an old wooden clapboard house on Alfred Avenue. He had an exceptional thirst for knowledge and was a valued member of St. John’s High School’s “Reach for the Top” team, a televised, academic quiz show in which the best and brightest from Winnipeg high schools competed. Aron made friends easily, loved sports and was a huge Jimi Hendrix fan. He dreamt of being a doctor one day in order to help others and had just completed the first half of his medical degree.
At their fiftieth anniversary reunion, Aron’s fellow graduating classmates from 1969 (Room 333 – The Theatre Room) decided to honour him in perpetuity with an annual scholarship in his name, recognizing a graduating student each year who best demonstrates academic promise and exhibits empathy for others; in particular, one who has shown extreme courage when faced with a significant challenge in their life. Donations were made by twenty-six members of that class, together with Aron’s five surviving siblings
Aron Katz left this world much too soon. May his memory and legacy last forever. God bless him.
The above photo from the 1969 St. John’s yearbook shows Aron Katz (seated, second from left), with the other members of the school’s Reach for the Top team, along with their two coaches.
The caption in the yearbook only gave first names and, while I recognized two of Aron’s teammates: Lenny Leven (seated to Aron’s left) and Ricky Kraut, along with Bernie Melman (standing, right), who went on to become vice-principal of Joseph Wolinsky Collegiate, I wasn’t sure who the “Harvey” in the photo was. After running an OCR program on the St. John’s yearbook, I discovered that Harvey was Harvey Koffman – who was the only Grade 10 student on the team.
I was also pretty sure that the “Mr. Carr” in the photo must have been Alex Carr, brother of Jim and Robert, but it was only after I confirmed that with Fern (Zamick) Carr, Alex’s wife, that I could write with assurance that it was indeed Alex Carr.
Interestingly, after I emailed Fern Carr, asking her about the photo, she responded with her own story about herself having been on the Gordon Bell provincial champion Reach for the Top team.
Here is what Fern wrote:
“Al taught at St. John’s from 1967 – 1999, and besides being Aron’s coach, was his chemistry teacher. I showed him the photo and it really brought back memories – thanks.
“You know, I was on the RFTT team (as a student from Gordon Bell) while Al was the St. John’s coach. We probably unknowingly were at the same tournaments together. Another coincidence is that Al’s Baba Leibe lived directly across the street from my baba and zaida on St. Anthony. We both visited our respective grandparents every Sunday, again though, before we knew each other.”
Reid Linney had also attached a brief clipping from the Canadian Press about Aron’s death:
“PINAWA, Man. (CP) – Aron Katz, 19 (Ed. note: he was actually 21), of Winnipeg, saved his 14-year-old sister Marian (Ed. note: her name was Miriam) from drowning Tuesday in Big Whiteshell Lake but lost his own life. RCMP said when the girl ran into trouble swimming, the youth pushed her to several other swimmers, then drowned.”
Once I finished reading Reid’s email, along with a couple of the attachments he sent, I set out about trying to learn as much as I could about Aron Katz. I’ve noted before that nothing resonates more with readers than learning of a young life – full of promise – snuffed out suddenly and totally unexpectedly.
Subsequently, I was able to find Aron’s obituary on newspaperarchive.com:
ARON KATZ
“On July 10, 1973 accidentally in Whiteshell Provincial Park, Aron Katz, aged 21 years, dearly beloved son of Mr. and Mrs. I. Katz of 497 Alfred Ave, and precious brother of Shirley, Dr. Saul, Matylda, Ann, Ronia (Mrs. Larry Epstein) and Miriam. Services were held July 11 at the Chesed Shel Emes and interment in the Hebrew Sick Benefit Cemetery. Aron was a third year student at the University of Manitoba Medical School. In lieu of flowers, contributions to a memorial fund may be sent to the University of Manitoba Medical School.”
I was also told that two of Aron Katz’s good friends were David Manusow and Gerald (Yosel) Minuk – both of whom had been schoolmates of Aron’s at St. John’s, also colleagues of his in medical school.
David Manusow told me that he had written a tribute to Aron on the occasion of the 50th anniversary of his St. John’s graduating class’s reunion. David sent me the text of his tribute:
Aron Katz
(1951 – 1973)
Written and delivered by David Manusow on Saturday, August 17, 2019
“This is dedicated to the memory of our dear classmate and friend, Aron Katz, who died accidentally in the Whiteshell on July 10, 1973 while saving his younger sister from drowning.
“It would be remiss of me to try to improve upon the eloquent tribute to Aron written by his sister Shirley that Danny (Bronstein) just read, but I would like to elaborate on some points, as well as share some personal reminiscences.
“Aron was the second youngest of 7 children, all academic stars, who grew up under very modest circumstances in an old, white 2-1/2 storey wooden clapboard house on Alfred Ave. (Many years later, I still recall Aron complaining that the sound of mice scurrying about in its walls interfered with his studying!)
“As you his classmates know, Aron was extremely intelligent, unselfish, kind and humble. He had a thirst for knowledge and acquitted himself well as a member of the Grade 12 ‘Reach for the Top’ team. He was also a huge fan of Jimi Hendrix and Cream.
“While we were friendly in high school, we didn’t really become close until university. We shared the same aspirations and took most of our pre-Med courses together. I can remember studying Organic Chemistry through the night with him out at the Fort Garry Campus, as well as a frigid winter evening in Kildonan Park triangulating stars for our Astronomy course. Because I didn’t have a car, Aron would pick me up in his family’s huge black 1955 Buick Roadmaster to write our exams.
“After we were both accepted into Medicine in the fall of 1971, we became even closer. We sat beside each other in lectures, and took all of our labs and spares together. We also car-pooled together that first year (along with Yosel (Minuk) and Morley Shatsky). At the end of that year, Aron bought a brand new Datsun 510 4-door sedan (navy on white) for the then-princely sum of $2,300.00. He was immensely proud of that car and loved driving it.
“With the demise of that car pool after first-year, Aron and I decided to ‘go it alone.’ “Always considerate and never one to complain, Aron travelled at least 2 miles out of his way in the opposite direction each day to take me to and from school. I have fond memories of spending the occasional Friday afternoon at the Balmoral Hotel bar with Aron, reviewing our ‘surface anatomy.’
“I can also recall when Aron and I, and his longtime sweetheart Lorraine Shapiro, celebrated after the Xmas ‘Comprehensive’ in 2nd year by going to the old downtown Met to see the movie, ‘The Stewardesses’ (in 3D, no less!). Unbeknownst to us, and much to our collective embarrassment, it turned out to be an X-rated pornographic movie that was subsequently banned. Incidentally, at least a third of our 2nd year Med School class happened to be there as well that evening, celebrating!
“Aron was an extremely good student, and at the age of 21, had just completed his 2nd year in the U of M’s Faculty of Medicine. He had spent his first and was just starting his second summer in the Medical Microbiology Dept. working on the Australia antigen/Hepatitis B virus. He enjoyed medicine and was looking forward to beginning his 3rd year in September, 1973.
“Always an avid camper, in early July Aron took his little sister Miriam camping at Big Whiteshell Lake and well, now you know all the rest. I received a call that evening from Morley Shatsky (who lived across from Aron) informing me that Aron had drowned. The next day, Aron’s only brother Saul contacted me, requesting that I be a pallbearer. It was the saddest, most emotional funeral I have ever attended.
“And thus it all ended. I would now ask that you all rise for a minute of silence to remember our dear friend and classmate, Aron Katz, a young man of great intellect and even greater courage, who left this world much too soon.
“May his memory and legacy last forever.
“Thank you.”
I also heard from Gerald (Yosel) Minuk, who told me that he had only a few things to add to what I had already gathered:
“Thanks for the opportunity to contribute to your story on Aron Katz (z”L) but I’m going to disappoint you. I’m afraid that over the past 50 years since his passing, only three of my memories remain.
“The first was as his classmate at St John’s high school where I remember being amazed (and somewhat envious) of the wide breadth and depth of his knowledge. That impression, which was shared by his classmates and the entire school, was supported by the fact that the success of the school’s ‘Reach for the Top’ team largely rested on Aron’s shoulders.
“The second memory was as a member of his university carpool where Aron would often recount with much pride the various accomplishments of his family (but never himself). “Aron was particularly proud of his older brother who I believe was in medical school at the time and went on to become a highly regarded emergency physician out east.
“Finally, as mutual members of the medical school’s Class of 75, I recall how sad it was to learn of Aron’s passing. Not only for his family but also for the discipline of Medicine itself. Aron was one of those fortunate individuals who had been gifted with both exceptional knowledge and compassion, attributes that are essential to becoming an exceptional physician.
“In closing, I might also point out the serendipity as to how Dr Eadie’s account of a drowning came to Reid’s attention. Shortly after my wife and I had purchased our cottage at Big Whiteshell lake in the early 1990’s, an elderly lady was going door to door selling an anniversary book of the lake that contained stories submitted by lake cottagers. I purchased a copy and it sat on our bookshelf for several years until my wife decided to thumb through it. On reading Dr Eadie’s submission, she asked if the story could be about my friend the medical student who had drowned while saving his sister that I had once told her about. My initial reaction was that it couldn’t be as I was under the impression that Aron had drowned at Winnipeg Beach or perhaps Gimli but on reading the story, I realized it might be Aron. So when Reid decided to pay tribute to Aron by establishing the Aron Katz Memorial Scholarship at St. John’s High School, I sent Dr. Edie’s story to Reid.” (Ed. note: Subsequent to publishing this story in the August 3 issue of The Jewish Post & News, Reid Linney was able to get in touch with Dr. Eadie’s daughter, Sheelagh. Sheelagh said that, while the story of Aron Katz’s drowning was eerily similar to the drowning about which her father wrote, it is almost certain that Dr. Eadie wrote about a drowning that occurred in 1975, not 1973.)
Features
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
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.
Features
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.
Features
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.
