"It borrows money frequently to cover its operating costs like salaries of the professors, maintenance, maintaining the dormitories, making sure the library is

"It borrows money frequently to cover its operating costs like salaries of the professors, maintenance, maintaining the dormitories, making sure the library is stocked, and keeping the sports program in tip top shape." When you borrow for operating costs, don't complain about bad credit... Borrow money for project that will hopefully drive more money home later. Pay operating costs with you income (hum, or your capital if you're starting, but this is a ticking bomb).