Thanks to zoom, many musicians are teaching lessons online so they have a wider audience and can operate from anywhere. 

Keep in mind focus on the monthly payments, not the total balance.

. :-)Anyway, glad to be here, happy to meet and network with like minded folks while I keep learning as much as I can!

Keep in mind @Mario Morales that they take premiums, invest them so there is a profit component on invested returns, and hence amplifies how far the $ can spread on payouts. less than stellar returns and expanding claims, yes, rising premiums is a certainty. 

Quote from @Andrew Burrell: You can usually set up an LLC yourself or use an online company that is inexpensive.

I'd attack the credit report :) 1) lower (pay down) whatever accounts have a high utilization percentage 2) contact each of 3 major consumer credit agencies and get a free report, then dispute every hard inquiry that is *NOT* associated with an open account 3) call the credit cards you already have established and ask for a credit line increase -- often can be done online and they do not verify income, hint hint. 

It sounds like you have some solid goals in mind already.

Online you get pitched way more than you get connected, although you can make great friends here.2.

I'll keep you in mind once I got all my criteria straight.

Likely not, but if you don't mind taking the risk and spending a little extra in taxes (from missing possible deductions or misunderstanding the law) then that's ok.