Search Results: bad credit

Here is why I think it is not in good shape:
1) Gold is high at $1800 plus , usually gold is under $1000 when economy is good
2) Gov't is still buying assets
3) Gas at $3.15 to $5.00 a gallon. Usually gas is $1.25 to $1.95 in good times
4) Unemployment is really 22% , Gov't stops counting people. 6% is good
5) Wages are not going up and they increase 1.5 to 2% with good economy.
6) Velocity of money is lowest ever. That is when you get paid and you buy, then that guy b buys., then the net guy takes that money and buys and economy expands..
7) Banks are eliminating credit lines , they are increased in good times.
8) Record store closings and bankruptcies.
9) Mergers and take overs.
10) States are using universal payments to give people. Never done before
11) Gov't still handing out stimulus checks, this is stimulate economy , why would you need that in a good economy. Not in 1950's , 1980's, or 1990's
12) All time high debts with consumers , businesses and Gov't
13) All time high grocery prices
14) shortages of food and other items.
15) Inflation of 13% , that is the actual rate with all items figured in, not the gov't limited
items.
16) Interest rates are still near 0% and normal rate is 6% .

My Etsy sales have dropped off the cliff , and I was doing pretty well and others on Etsy have dropped also The the last two months will be my worse two. My business service is even down some and it never did in 2008 to 2011.

I lived through 1970's and 2008 to 2011 , and they were not like this. Probably more damage was done in 2008 -2009 than we really knew. .

Now what happens if we have another 911? Or if another housing crash? Or stock market crash? Print $100 Trillion out of thin air?

So I'm transferring from a private university to a community college in order to save money/prevent massive debt. I'm planning on taking 9 credits per semester because it only costs me $1500 to do-so. I can pay that out of pocket and still be able to work my full time job (1 class per day except on Sunday and Friday and all start after 8am).
I think if I wanted to risk it I could take 1 more class but that risks me losing hours at work. Am I smart by not taking an additional risk?