Sure, this quashes the shallow pretense of expecting undergraduates to engage in thoughtful analysis, but they have already proven that they will go to any lengths to avoid doing this. Call me a defeatist, but honestly I’d be happy if a plurality of American college students could discern even the skeletal plot of anything they were assigned. With more exams and no papers, they’ll at least have a shot at retaining, just for a short while, the basic facts of some of the greatest stories ever recorded. In that short while, they may even develop the tiniest inkling of what Martha Nussbaum calls “sympathetic imagination”—the cultivation of our own humanity, and something that unfolds when we’re touched by stories of people who are very much unlike us. And that, frankly, is more than any essay will ever do for them.
If you have never been issued credit, some lenders may evaluate your creditworthiness based on factors such as proof that you pay rent, utility, and phone bills on time, or that you make regular deposits to a savings or checking account. You could also ask another person, such as a parent, to cosign a loan. This gives you an opportunity to make payments on time and build your credit history. At the same time, the lender's risk is reduced because it can rely on the good credit of the cosigner. (The cosigner would have to pay what you owe if you didn't make the payments.)