It's easy to imagine CommonBond, a peer-to-peer lending service for college students, being the brainchild of a well-to-do graduate. 

But co-founder and CEO David Klein doesn't fit into that mold.

Klein, who came up with the idea while scraping together money for business school, is a drop out. He founded CommonBond in 2011.

Since then, he's learned a great deal about being an entrepreneur and pushing disruptive ideas, he tells Tech Cocktail.

"Being an entrepreneur is the hardest job you’ll ever have," he says. "The hardest work you’ll do, longest hours you’ll work, and most stressed you’ll be. Whether you find meaning in it will depend on whether you get into it for the 'right reasons.'"

Those reasons shouldn't be, "I want more freedom" or "I want to make money." 

Crashing on couches is more likely. 

Of course, there will be naysayers, and the more disruptive your idea, the louder they'll be. If an entrepreneur sees that, he should "use the resistance as fuel to keep pushing and seek validation," Klein says. "That doesn’t mean you can’t pivot in a direction that makes more sense, but it does mean that using resistance as a reason, dare I say excuse, to stop what you’re doing is misguided."

He adds, "The fact that we’ve lived through hard days before and come out the other side stronger is our guiding light in our darkest hours."