Use the maximum you are eligible for or a number you are comfortable borrowing. Consider including any savings you have into the starting amount.

Use the maximum you are eligible for or a number you are comfortable borrowing. Consider including any savings you have into the starting amount.

Getting a class ring is an honor and will become a treasured connection to your institution. Class rings range from $1,000 to $3,000.

It's tempting to buy your dream car, but choosing a practical vehicle allows you to fund other financial goals. After you commission, you might not even need a car at your first duty station. If you buy a car, keep in mind the total cost of ownership. Insurance rates and maintenance costs vary based on the vehicle and your location.

Plan for upcoming travel, including spring break, visits home and post-graduation. Academies have 30 to 60 days off between graduation and reporting. ROTC can head to training right away or have delayed entry of up to 6 months. If you have delayed entry, you'll need to account for expenses until you get your first paycheck.

Some uniform purchases are necessary. Dress and utility uniforms are common expenses. To save money, you can purchase some or all of your current uniforms previously used at a discount.

You'll have a variety of first-time expenses, such as:

• A security deposit if you rent or a down payment on a home
• Utilities, such as cable or electricity, and possible deposits
• Furnishings and household items

You'll also want to insure your belongings for loss or theft during your move. Look into a renters or homeowners insurance policy.

Plan ahead if you're thinking about making big changes, like marriage or children, within the next three years. Understand your benefits and how these changes will affect your budget. Review and adjust your budget every year or more often with major life events.

Having an emergency fund is the most common and highest recommended advice given by financial experts. Start with $1,000 or $2,000 for now, but think about your increased monthly expenses after graduation. You can use your emergency fund for unexpected expenses instead of a credit card or an additional loan.