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Are college students missing the grade on credit car debt?

Thousands of people live with credit card debt. It has become commonplace for people everywhere, including in the Tampa area to make credit card purchases again and again without ever considering the mounting debt and the interest they must pay to get out of that debt.

Fall is just about here and that means a change in the weather as well as a return to school for kids of all ages, including those going off to college. A new school year means new school supplies and for college students those supplies can get pretty expensive. Enter the credit card companies, who are finding college students an easy prey for their services. Many college students aren’t aware of the pitfalls of credit cards and the credit card companies know that their parents can bail them out if they get in over their heads. It’s a bad combination.

Credit cards are not all bad, but without the proper education many college students end up in deep debt. When used right, they can help a person establish a credit history, as well as build a solid credit score. However, students need to be aware of how to properly use them and what mistakes to avoid. For example, cash advances are generally a bad idea. Students should also know the penalties when they can’t make a payment and they should definitely understand the terms and interest rates of their agreement.

Getting out of credit card debt can be difficult but it’s not impossible. By meeting with a knowledgeable credit card debt attorney one can get the help he or she needs to move forward without the overwhelming burden that debt can cause.

Source: Indianapolis Recorder, “Credit card debt and the college student an unhealthy cocktail,” Jesse Brown, Sep. 5, 2013.

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