var TipNumber;
var TipText;

var tips=new Array();

tips[0]="The definition of a smart borrower is one who only borrows as much as he has to.";
tips[1]="Even making small payments while in school can make a big difference.";
tips[2]="Credit scores are like SAT scores. The higher they are, the better your chances of being approved.";
tips[3]="There are lots of college prep courses and not enough college financing prep courses.";
tips[4]="Because everyone likes free money, apply for scholarships first.";
tips[5]="The first step in borrowing for college: breathe.";
tips[6]="Write down your questions and refer to them when talking with a Financial Aid or Loan Officer.";
tips[7]="Before you apply for a loan, make a budget.";
tips[8]="Every consumer is allowed one free credit report a year from the three major bureaus of Experian, Equifax & TransUnion.";
tips[9]="Only borrow what you can repay - estimate your potential monthly salary and make sure monthly loan payments don't exceed 8-10%."
tips[10]="There's a reason college students shouldn't run up credit card debt. It's called 21% interest.";
tips[11]="Parents shouldn't have to choose between paying for college and being able to retire.";
tips[12]="It pays to have a creditworthy cosigner for your college loan. Otherwise, you could be paying back more.";
tips[13]="Check your credit score way in advance of applying for a loan to make sure your credit is in order.";
tips[14]="New legislation increased the Pell Grant and Federal Loan amounts - you may qualify for more than you think."

TipNumber=Math.floor(Math.random()*14+1);
TipText=tips[TipNumber];

document.getElementById('TipNum').innerHTML = 'Tip #' + TipNumber;
document.getElementById('TipText').innerHTML = TipText;