You can franchise your business to raise capital. You are selling the rights to use your business, name, practices, and methods. You basically are selling a clone of your business and the method to reproduce your success...

Occasionally, it's possible to convince a vendor to exchange a trade payable owed to them for a note payable instead, or possibly an equity position in your company...

Debt can be a lifesaver in an emergency situation but many people are drowning in debt. Unfortunately some of us think that an available balance on a credit card is the same thing as cash in the bank...

Encourage your student to pay as much of the balance as they possibly can each month. A credit card shouldn't be treated like a debit card...