Smart use of your money and your credit in college will enable you to spend the money you earn when you graduate on things you really want like a new car or house instead of all of your income going towards dept repayment.

A short story from a graduate that experienced the journey follows. If I knew at 18 what I now at 28, I could have prevented so much disaster from happening. Instead, I owe $150,000 to student loan companies with no escape.

I hope that you will read this before you fall into this trap. At 18 college was a dream come true. I could study without parents to monitor my class attendance, my coffee intake, or my late-night slurpy runs to 7-11 with friends. More >