At the beginning of one’s career it takes time to settle in and establish a routine. One may be fresh from college or from an apprenticeship. That period coincides with the grace period before payment of student aid. That is the case unless one has not found relevant employment in time. Service in the army corps can also delay the start-off.

Many business and finance graduates are finding it hard to find an appropriate niche where to work. With so many students opting for these courses, the competition in the industry has never been higher.