College Students Need To Be On Guard Against Piling Up Consumer Debt


There is a saying that money cannot buy happiness, but money issues can cause much unhappiness.  A recent survey shows that up to 36% of the college students who use credit card have a debt of more than $1000. The result is after a study by EVERFI on more than 30,000 students from 440 institutions.   College students should be on guard against piling consumer debt. 

Credit card seems to be the cause of much debt for college students one of the ways to prevent getting into credit card debt is to pay off a credit card before using it another time.  It might seem like a difficult thing, but it is the best way to regain control of finances.  It is essential to keep a card and resist temptations to use it until the balance reaches zero.   Some students accumulate debt through different credit cards.   Consolidating them to a single card is the solution to control piling a debt spread across many credit cards.

Taking student loans can safeguard against accumulating much consumer debt by using credit cards for basic expenses.  Student loans are a lower interest rate and can help to cater for many expenses by those in college instead of buying everything through credit card.  A student loan also helps to build credit, so it's good debt and in an investment into the future after paying. Credit card debt is a bad debt that comes with high-interest rates that do not benefit a holder in the long run.  

  Every activity, including learning, has an expense. All college students with consumer debt do not accumulate it willingly. Some of them have expenses that they are unable to afford to pay for their needs. Many college students today lack the flexibility to work. They cannot work for many hours to pay their credit card debt and avoid reliance on them because the course load is heavy.A debt causes mental anguish and harms the credit ratings. College students should be on guard against piling consumer debt as it might affect credit rating and reputation in future.

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