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The enthralling account of the attempt to revive a drowning victim – as written at the time by Dr. John Eadie

The late Dr. John Eadie
He was to become Manitoba’s Director
of Epidemiology, but when he wrote
the account of a drowning, he was writing
as a cottager in the Whiteshell area.

By BERNIE BELLAN Fascinated as I was by the story I had received from Reid Linney about Aron Katz, there was something else attached to the information about Aron Katz that was equally compelling: A vivid account of an attempt to revive a drowning victim, also in Big Whiteshell Lake (which is where Aron Katz drowned). It turns out that, subsequent to publishing the story of Aron Katz’s life – and tragic death, in our Aug. 3 print issue, we received information that confirmed the drowning victim in the account you are about to read could not have been Aron Katz.

What happened was that years ago, Dr. Gerald (Yosel) Minuk, who was also a classmate of Reid Linney and Aron Katz at St. John’s, had read an account of a drowning in Big Whiteshell Lake in a book titled It was a photocopy of something that, as Gerald (Yosel) Minuk subsequently explained to me in an email, had appeared in a book titled “History and Folklore of the Whiteshell Park North,” which his wife happened to buy from a woman going door to door selling copies of the book about cottage life in the Whiteshell area.
After Dr. Minuk had read Dr. Eadie’s chapter in the book, titled “Triumph and Disaster,” he was certain that the story Dr. Eadie tells must have been that of Aron Katz’s drowning. He sent a photocopy of the chapter to Reid Linney who, in turn, sent it to me.

It turn out the author of the story, Dr. John Eadie,  was a Director of Public Health in Manitoba who would eventually became the Director of Epidemiology for the Province of Manitoba.
In his obituary, it notes that Dr. Eadie, who died in 2014, was born in England, studied medicine at the University of Edinburgh, and served with the Royal Army Medical Corps in Burma/Rangoon during the Second World War.
in 1950 Dr. Eadie and his family moved to Portage la Prairie. “In 1955 the family moved to Winnipeg, and later he purchased a cabin on Big Whiteshell Lake, where he would spend his retirement years exulting in family and his beloved outdoors,” his obituary notes.
I’ve decided to reprint Dr. Eadie’s entire account of what happened one summer day in the Big Whiteshell. However, as you’ll see once you start to read Dr. Eadie’s account, he says that what happened occurred on a Sunday – and that he decided to record his recollection of the day’s events at 4:00 am the following day, which would have made that a Monday. Aron Katz drowned on a Tuesday – and, as you’ll see at the end of this story, Dr. Eadie’s own daughter, Sheelagh, offered further evidence that the drowning victim described in the story you are about to read was not Aron Katz.

Here is Dr. Eadie’s story:
BIG WHITESHELL LAKE
JOHN A. EADIE
LOT 8 BLOCK 4
TRIUMPH AND DISASTER

“A normally busy Sunday at the lake started, for me , at about 7:30 a.m., when I took my wife’s dog for a run up to the ‘mountain’ behind our cottage. After a rest to admire the start of another ‘Sunny Manitoba Morning,’ without a cloud in the sky – back downhill, with Tuffy in the lead, to breakfast alone, listening to the world political situation on C.B.W., as was my custom.
“A quick shave and out to do chores – gas up in readiness for a day’s water-skiing, etc. Still no one else astir in the cottage. So out comes the axe and finally dispose of that poplar stump that should wake someone.
“Now the boys are astir and we’re off water-skiing. The water’s a bit choppy and there’s plenty of traffic – so I do most of the driving. Kenny goes first – an old pro at 13 years, followed by his friend Lars – skiing for 24 hours, but keen to catch up. Then Maria – a beginner, but too shy to tell us to speed it up for her. Irene and Carmen – prospective sisters-in-law to my two older boys – go up double.
(At this point the story is cut off. It resumes here:)
“A swim to the point with my wife, Pat, and a friendly visit with the neighbours.
“Great Scot – it’s 3:30 p.m – so we’re up to grab some lunch. When that’s over, the day’s activities tell their tale and I drop off for 40 winks.
“A thunder of feet up the stairs, ‘Dad, there’s a drowning at the dock!’”
“Up and moving. Grab the keys – to the wagon – drive to the dock. The kids beat me to it by boat – tell me it’s out at the diving dock, but they take me over by boat – 13-year-olds think fast and act with purpose.
“At the floating dock – signs of tragedy. A lifeless young man in his prime, the centre of earnest ineffective efforts at artificial respiration and cardio massage. What to do? Find out what the chances are or try to improve the resuscitation techniques? I’ll have to try both, somehow.
“ ‘ How long was he under?’ – ’15 minutes – maybe 10 – maybe eight – Who had a watch – how accurate are the estimates?’ (five minutes is the limit.)
“ ‘Is he breathing “No!’
“ ‘ Any pulse?’ ‘Yes,’ says Nurse.
“ ‘Is his airway clear? Are we getting air into his lungs?’ ‘Not much!’
“ ‘OK – four men get an arm or leg up and lift him, head down, feet up. You “Nurse” – (she wasn’t, but we didn’t know for an hour) – help clean out the mouth of blood and vomit. Quick – back down – on his back and start massage and breathing.’ Not good – take over breathing and show breather how to get a good breath in – chest rises – ‘OK? Now you try it. Get the rhythm 1001, 1002, 1003, 1004, 1005 – breathe. Repeat – a beat a second and a breath every five beats.’
“Am doing the massage – ‘Who can take over?’ ‘I will,’ says a voice – strong and confident – and he has the build to see us through to Pinawa. ‘OK – use the butt of the palms, quick beats – right on the breast bone – see?’ ‘OK!’ – tries it.
“Nurse reports femoral pulses – colour poor – pupils not good. To continue or stop?
“No one knew how long he was under for sure – he’s turning pink after being tipped up a couple of time and improving technique. OK – he has a chance – let’s give it to him.
“Time to look to the next step. ‘We need a hard board and four men to help lift.’ ‘Here we are!’ A surfboard appears – ‘We need a boat to get him to main dock.’ ‘OK- change boats – yours is biggest. Can you bring it alongside?’ ‘Did anyone send for ambulance or Mounties?’
(At this point the story is cut off again. It resumes here:)
“new catch phrase -KEEP the SYSTEM GOING. ‘If you’re tired ask for relief.”
“ ‘When we move him onto the surfboard after the next breath – hold it, he’s filling up again – tip him up and clean him out. Well done!’ Back to the SYSTEM. It’s going again.
“ ‘OK, now move him on to the board after next breath – 1001, 1002, 1003, 1004, 1005 – Breath – MOVE!’ He’s on the board – KEEP the SYSTEM GOING.
“ “Next move – move the board on to the boat – head to front – breather and cardiac massager keep going. After next breath MOVE but KEEP THE SYSTEM GOING.’ He’s in the boat – the two men on the outside fall in the lake and get left behind. Nobody laughs.
“We’re moving – to the main dock. On to dock –
“ Get the crowd out of the way!’ Someone does.
“ OK. Four men move him down the dock, but KEEP the SYSTEM GOING!’
“ ‘Who’ll drive my wagon?’ – ‘I will.’ – ‘Here’s the keys – the blue wagon’ – back it on to the dock – tailgate down – four movers ready – into the wagon and the SYSTEM KEEPS GOING.
“Nurse” asks privately – ‘What are his chances?’ – ‘Just about zero.’
“The Mounties are here, flashing lights and the works.
“ ‘We need water in a cooler – bucket – anything.’ They appear.
“We’re off.
“ ‘Hey, not so fast – watch the corners – we can’t do massage at that speed.’ We’re all on our knees – never knew steel deck was so hard on knees, especially on corners and on my cartilage scar.
“ ‘OK – relieve the breather!’ ‘I’m OK, Doc.’
“ ‘You can’t do it all yourself – take a break and come back stronger.’ ‘OK.’
“He’s getting pinker – He’s got femoral pulses. His pupils seem smaller, are they really? Wish I had my glasses! ‘Good work –keep it up – Keep it up – change breather – change massager – keep it up. Get a rest.’
“A young guy in his car gets between us the Mounties and won’t pull over, despite our lights and horn. The Mounties radio ahead and he’s invited to stop for a ticket at Seven Sisters.
“Half hour to Pinawa. Twenty minutes to Pinawa. Ten minutes to Pinawa. He’s still pink, still got a pulse. But, what about those pupils? Keep it up. ‘Breather rest so you can take over again at Pinawa.’
(Cut off again. Resumes here:)
“femoral pulse – but hold it – those pupils are dilated and fixed and have been for half hour or more. Don’t tell the team – yes, we’re a team now – everyone knows his job and does it well.
“Last time – KEEP the SYSTEM GOING – back in to the Emergency door. A word with Pinawa doctor – into Emergency.
“Electro-cardiogram shows he still has pulses, still was pink – without the system pulses become few and weak – pupils still dilated. The patient is dead. DISASTER! Or is it triumph? – Seven total strangers – who didn’t even know each others’ names – worked themselves into a team in three hours of desperate effort for a patient whose name they didn’t know.
“When the verdict was finally announced – that he was dead – despite pulses and pink colour – the Nurse looked around the room and there wasn’t a dry eye to be seen. For a stranger? Who is a stranger?
“The dilated pupils showed the patient’s brain had died before he was pulled from the water He’d been down too long – but who could be sure? He had a chance – we gave it to him – but it didn’t work out.
“The team was totally exhausted. After a wash up and juice or coffee the Mounties took our statements His girlfriend’s father came in to thank us – she was too distraught.
“Then home to family and friends, bucking traffic all the way back to Big Whiteshell – where there is still no lifeguard!
“Dozens of these helpers who gave instant action and response to requests should not be forgotten.
“But for the seven people – four men: an orderly, a policeman, president of the Campers Association, and the doctor; three ladies: a nurse, an accountant, and a housewife we thought was a nurse – it will remain TRIUMPH AND DISASTER.
“(Above disjointed notes written at 4:00 am the following morning, when I couldn’t get b
ack to sleep for the drama going round and round in my mind.”)

Post script: As mentioned at the beginning of this story, despite the many similarities between Aron Katz’s drowning and the drowning described in Dr. Eadie’s account – which had led Dr. Minuk to assume that the account was indeed that of Aron Katz’s drowning, subsequent to publishing this story in the Aug. 3 print issue of The Jewish Post & News, we received an email that had been written by Dr. Eadie’s daughter, Sheelagh. In it Sheelagh wrote: “I am thinking that Aron is not the person John assisted.
Aron died on a Tuesday and given that Dad wrote his notes right away and refers to it being a Sunday it is not likely that he would confuse the day of the week. As noted this is a discrepancy that is noteworthy.
“Secondly, he refers to his son, Ken, as being 13 but in July 1973, he was 11 going on 12.
“Dad was a precise person, not sure that detail would be altered.”

 

 

 

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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

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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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.

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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.

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