If you’re a college student, you probably already have a credit card. If not, you may have plans to get one or more soon.

So why should you read this guide ?

• Because financial debt is one of the main reasons that many students end up dropping out of college.

• Because your college years can be some of your most memorable—and some of your most costly. They don’t, however, have to be the beginning of an adult life strapped with debt.

• Although you may still feel in limbo between your teen years and adulthood, it’s time to take charge of your finances and manage them as an adult. The sooner you do, the sooner you’ll be able to start saving and spending your own money.

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