I am a senior almost a HS graduate in a few days. Going to a community college and applied for financial aid and will make loans to pay for college then transfer. I have a checking, savings @ my local bank. An ING direct savings, 403b @ One America, and a ROTH IRA @ vanguard. I also, have an account @ treasurydirect w/ some saving bonds. What should I do more to improve myself? Should I stick my fed. loans in an ING orange savings and some in a checking account from my local bank? I am all ears. btw no advertisements and if there shell be one, I will report them!