I’m a third-year economics student, and I love coffee. My addiction helps me get through the day – whether it may be an entire day of class, an afternoon of studying for exams, or even a Saturday night out with my gang.

I happen to go to coffee shops with a like-minded bunch. We talk about other things that matter, but as soon as that’s over, we talk about, well, coffee. Coffee talk in a coffee shop. That’s clever. Well, we were discussing the prices that franchises charged, and came to the conclusion that the rates were over the top. Sometimes, the quality was inconsistent, and the service seemed hurried and impersonal. We talked about that for hours. Since we were in economics, a lot of us were looking to build our own businesses as well, so we eventually decided to start on a small project – our own coffee shop. We all had to chip in some capital, but even though there were seven of us who were willing to shell out, it was still a pretty daunting amount per person.

I decided to take out a loan. I talked to a few people from loan offices in Kohls Ranch, Pine, Christopher Creek, Jakes Corner, Sunflower, Rye, Gisela, and Tonto Village. I was on the phone with the manager from Payson Title Loans, and he seemed to know what he was talking about. He had me submit my application, and called me up about five minutes after to tell me that the money was going to be ready for pickup in about half a day. Great job guys!

Ian F.
Payson, Arizona 85541

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