Features
A story of resistance and courage from Ukraine
By MARTIN ZEILIG In late July, I received a document from a friend, which was sent to him by someone associated with the Beamsville, Ontario-based charitable organization, Friends of the Mennonite Centre in Ukraine , (FOMCU).
The document was part one of a story written by Iryna Lynka, the mayor of Molochansk, a city in eastern Ukraine.
Lynka was captured by the Russians around March 15 after Russia’s unprovoked, illegal and genocidal invasion of Ukraine began on February 24, 2022. She was released three and a half weeks later, and is now living in the Ukrainian controlled city of Zaporozhian, Alvin Suderman, the FOMCU Chair in Steinbach, wrote in an email to me.
“It is a horrific story,” he wrote.
“Imagine being held in the prison in Tokmak listening to the screams of people being tortured.”
The report was translated into English by Oksana Druchynina, the FOMCU manager now living in Abbotsford; B.C. Ms. Druchhnina is still translating the second part of Ms. Lynka’s narrative.
Iryna’s story
The former mayor of a town in south eastern Ukraine has finally been released, after nearly four weeks in Russian captivity. What’s more, she is defiant.
“And I didn’t surrender, I was reborn from tears. I was born Ukrainian.” Those words are from a song Iryna Lynka knew before she was abducted by Russian soldiers.
Iryna was elected mayor of Molochansk in Zaporizhzhia. After Russia attacked Ukraine in February, her community was occupied in two days. She says initially, the Russians did not behave cruelly, as it seemed they believed their own propaganda that they would be welcomed. They were wrong. When the security arm of the Russian military arrived, three weeks later, the abductions began.
“On March 31, at 6 am, they came to my home. A search was conducted. My sister and my mother, who is 82-years-old, were staying overnight. I asked them not to disturb my family, and they did not. First, they asked if there were police or Ukrainian soldiers in our house. I could report that there were none.
“Then they asked why I—as a local politician— supported a pro-Ukrainian party called the “Servant of the People” rather than the pro-Russian party called OPZZH. They took away all the papers and work files. They took me outside and the home was searched by five Russian agents. I noticed that there were many fully armed men on the street. They surrounded the house.
“As they were taking me away, we passed a Russian armoured vehicle, and the driver turned to me and scornfully said: ‘Are you disappointed that this is not the Ukrainian Armed Forces!’”
WITH A BAG ON THE HEAD
“Then they put a bag on my head and put me in another car. They drove to the Tokmak police station, 12 km away. My deputy and another town worker were also brought there. I noticed through the fabric covering my face that they also had bags on their heads. Their primary goal was to lure me— as the head of the community— to their side.
They took my phone and passport and said that we know everything about you, that you have authority among the population and that you are very suitable for us. They wanted me to join their side, to make a video of me distributing their “humanitarian aid” and to talk about the advantages of the Russian Federation. I was to tell people to join the Russian side. And I immediately said “No.”
“At first, they seemed to be polite, addressing me with respect. Then later, they were very rude and disrespectful.”
“REAL BANDERA!”
Iryna says she was interrogated by young security services men who were not older than 30. They teased and threatened her.
“They opened my passport and saw my place of birth, which is the Lviv region. But I have lived almost my entire life in Eastern Ukraine, in Zaporizhzhia.
“Ah, so you are a true Bandera! “ (a pejorative term for Ukrainians, coined after the Nazi collaborator and anti-Semite Stepan Bandera), they said.
“All the interrogations took place at the police office assembly hall. I had been placed on a chair in the middle of the room, surrounded by six to eight men with machine guns pointed at me. They all wore balaclavas, but I will never forget their eyes. I think I could recognize them now.”
“I was told I had two options: to cooperate or to hope for an exchange. Of course, I wouldn’t want to go with a suitcase to an unknown place where I don’t have anywhere to live. But personally, I did not imagine how it is possible to cooperate with them. Later, the lawyers in Ukraine explained to me that if I had given my consent to cooperate, it would not have been seen as collaboration by Ukrainian authorities, since I was forced under machine guns, and it would not have been a voluntary decision. But I immediately understood that Russians are people with whom there will be no compromise, no dialogue. And if I had agreed to hand out their ‘humanitarian aid,’ then they would have had more orders, they would never stop forcing me to do what they need.”
BLACKMAIL AND THREATS
As a result of refusing to cooperate, Iryna was threatened and told her family and children (she has two adult sons) would suffer the consequences. “They said: ‘You will die and rot here. We will take you to Russia and we will put you before the court and judge you according to Russian laws. No one will find you!’ ”. She understood all this was possible.
“I was interrogated in the evening when it was already dark. They were angry… because they couldn’t get what they wanted from me, they couldn’t do anything with me. But physically they did not touch me.”
Still, Iryna says they used whatever means they could to intimidate and blackmail her. She says when she returned to her cell after the interrogations, everything felt mixed up. She had never written poetry in her life yet, while in captivity, she wrote half a dozen poems.
She did not know what would happen from one minute to the next, and whether she would ever be released.
And she recalled her friend’s song. “When I remembered these lines, I didn’t think about my troubles, but I thought of people who had it much harder than me, and especially our men and women at the front. And I had to survive through all these troubles. I only asked and prayed to God that they would not take advantage of my family, so they would not arrest and torture them.”
OUR GUYS WERE
UNGODLY TORTURED
But Iryna‘s time in her cell was excruciating. She could not bear the sounds she heard coming from men being tortured nearby.
“We, the women, were not beaten up, but what I heard… the window in the cell was opened deliberately so that I could hear what was happening there, how people screamed, how they were mocked. The boys were brutally beaten, which was not done to the women! They were moaning, and screaming, and begging… just horror. Later, one of them told me that they poured water into a bowl and passed an electric stream through his legs, and something was inserted under his nails, and he was pricked.
“And here you are, lying in the cell, no one touches you, but you are tortured by those sounds and screams of terror. I thought how can those who torture people, return to their families, how can they hug their wives and children, be gentle? They were not acting human.”
“KYIV, CHERNIGIV AND
SUMY ARE OURS!”
While in captivity, Iryna had no information from the outside. Taking advantage of this, the security services officials said that the Russians had already taken Kyiv, they had taken Chernihiv and that there would be no Ukraine.
“Somehow, I was able to receive a small package of chocolate and prunes from my sister, Svetlana. Hidden inside, was a note: ‘Kyiv, Chernihiv and Sumy are ours!’ ”
“God, how I kissed that note! I understood that they were deceiving me, that everything was not so bad. Over time I received a few more notes. How important that was. It broadened my understanding of what was happening.”
“Something I won’t forget is how afraid I was of getting sick. In April, it was very cold in the concrete cell. My feet were freezing. Medicines were sometimes given, but there were times when a doctor was deliberately not called. Once I woke up and I was shaking; I took a pill. I did not know whether my blood pressure was very low or, on the contrary, too high. I called for a doctor, but he never came. And in the evening, they called me for questioning and smiling, asked ‘Well, how are you?’ I said that everything was fine, but I thought to myself, ‘You will not get me!’ For them, all their tactics were acceptable, and I understood that one must never show weakness or fear. I’m not saying that I’m fearless and I was not afraid. No, I was afraid. I understood that anything could happen.”
HOPE FOR AN EXCHANGE
“A week later, I signed a letter of resignation, saying I was no longer mayor. I understood that according to Ukrainian laws, this would not change anything, but the security services wanted me to formally acknowledge I was not the head of the community. Together with the resignation letter, I made a written request to be included in a prisoner exchange and this was handed over to the Molochansk town council.
“Although under the Geneva Convention, civilians cannot be captured and therefore can’t be exchanged, the Russians did just that. They abducted people so they could have an ‘exchange fund’ for their side.
“My name was included on a prisoner exchange list three times. Two Russian soldiers were offered for me. However, I was taken off the list every time. I’m convinced that the man who lost the mayoralty election to me, and who now cooperates with the Russians, helped remove my name.”
MORE THREATS
“One day, a new commander was going around the cells. I asked him about a prisoner exchange. He told me it was ‘in the process.’ That’s when I realized an exchange was very possible. Soon, during another interrogation, an officer offered to record a video of me appealing to my community, with propaganda about the Russian Federation.
“I refused again. ‘Then you will die in the cell!’ And I said, ‘I will be exchanged!’ He replied that they tore up my application and flushed it down the toilet, that there would be no exchange. ‘It will happen,’ I said. ‘There is already a resolution.” He snapped: “How do you know?”I told him that I had been informed. He shouted: ‘That’s it! No more relief packages from your family.’
“I was afraid that they would search the cell and find the notes. As soon as I returned from the interrogation, I tore the notes up. These pieces of paper were so dear to me, I reread them multiple times, but I threw them into the toilet.”
RELEASED, BUT THE FEAR REMAINS
In the end, Iryna Lypka was not exchanged, but released. The Russians did not explain anything. She believes that she was saved because the men holding her captive were reassigned and a new, more compassionate team was brought in.
“I was released in the afternoon on April 23, just before Easter. When I came out, I was so dizzy, that my legs wobbled. I was not weak, but the arrest left its mark. For example, I woke up on Sunday at home, opened my eyes and got scared – why is there so much light in the room?
“Or when a dog barks on the street – I run to the window. If a tractor is driving by, I imagine that I see a tank. If I see Russian military vehicles driving by, I think they must be coming for me.
“Soon after my release, Mayor Kotelevskyi of Tokmak was killed. This is the city where I was held prisoner. Officially it was declared to be a suicide, but the people did not believe that. As the deposed mayor of Molochansk, I did not feel safe and this is when I felt I had to leave.”
In the end, together with her 82-year-old mother and her sister’s family, Iryna left for the nearest Ukrainian-controlled city of Zaporizhzhia.
“IF WE FIND BANDERA –
WE WILL SHOOT EVERYONE!”
Iryna Lypka says it is difficult for Ukrainian people to understand the Russian army.
“The Russian soldiers went from house to house and asked, ‘Do you have Bandera?’, and people laughed at them. The Russians said, ‘If we find them – we’ll shoot everyone!’
“Some Russians made themselves at home in one of the houses. The owner came in and smelled a terrible stench from dirty clothes and socks. She was indignant: ‘You could at least ventilate. They were surprised: ‘Are you saying that your windows open?’ It turns out that they had never seen double-glazed windows, yet they came to Ukraine to ‘save’ us.
“Russian soldiers are amazed that the houses are all built of brick and stone. It appears that they rob households of microwave ovens as they have never seen them before. The occupiers also told her that they have no natural gas in the villages in Russia. That is, the pipeline goes through the village, but there is no access to the gas for the villagers.
“They were amazed at everything – the paved road, natural gas, and streetlights.
“The security services tried to tell me during the interrogations that Ukraine is a mess and that Zelensky is bad. On the contrary, I started telling them about the program… ‘Big construction’ being implemented in the country – roads, schools, gardens, sports complexes—large facilities are being built. We have problems and we need to solve them, but we do not go to Russia to solve theirs.
“Only once, during the interrogation, one of them blurted out that ‘I feel sorry for you because you are a woman.’ And others have no emotions – they just have the orders they follow. And they just have a terrible hatred for us.”
Now Iryna Lypka is in Zaporizhzhia, dealing with issues of financing the community, as well as issuing documents to graduates of the schools in the area. She also organizes the work of the Children’s Affairs Service. In Zaporizhzhia, they are trying to help those who have fled the Russian-occupied area, and they are also arranging humanitarian aid. Those who leave Zaporizhzhia deliver necessary goods to the Russian-occupied community.
The new mayor appointed by the Russians operates in Molochansk. He drives Iryna’s car around the town, the one the Russians seized from her.
“There are people in Molochansk who cooperate with the Russians or seem happy about their new life. There are women who live with the Russian occupiers.
“I cannot understand these people. They see what the Russians do, how they mock the Ukrainians, how they rob and take everything from people. Everyone sees everything with their own eyes, not from the TV screen. And someone goes to bed with that animal. It simply cannot be understood.
“What can be said, of people who are well- off, fighting to get in line for Russian ‘humanitarian aid,’ so that even the Russians laugh and film them? Well, one could understand if people were really bloated with hunger. But each of us has potatoes and vegetable gardens. You should not disrespect yourself like that! I also don’t understand a person who always puts her hand on her chest while singing the National Anthem of Ukraine and today is collaborating with the occupiers. However, there are just a few of them. There are more patriotic people than corrupt ones.”
“I believe in our Armed Forces. I believe that we will definitely win and rebuild our beloved Ukraine. Let’s all believe!”
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.
