ey. We are no longer able to depend on our parents for everything, therefore increasing the amount of money we are spending out of pocket dramatically. When a student runs out of money, which happens more often than you would think, some feel that abusing credit is a way to get free money. Finally, after months of deliberating whether or not we need that Gucci jacket, we decide to grab one of those mailers being waived in front of our face. Next thing you know, our financial problems have disappeared! Not so fast. Actually what is happening is we are being given a loan. With this loan comes a ridiculously high interest rate of usually around 20% a year. When the bill comes, we say to our self, I can either sell my kidney in the black market to pay this off or just ignore it. And most people ignore it. Three to four years down the road, those finance charges have added up, and now all of a sudden that number seems a lot bigger then it did when we were a puny freshman in college. What students tod
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