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What I Wish I'd Known About College

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Beware of credit cards.

Lots of college students (and their parents) think it's a good idea to have a credit card, if just for emergencies. Don't believe it. Credit card companies tend to prey on college students, saddling them with exorbitant rates and assuming, rightly, that too many students consider new clothes to be an acceptable emergency situation. Misuse of credit cards in college can turn into a lifetime burden of consumer debt. Although it can be helpful to start building credit early in life by responsibly paying off your balance each month, a better idea is to have a job, a simple checking account, and a debit card – and then buy only what you can afford.

Next: Every class counts.

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