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By: Jon Bixler, Jiang Du

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1. Do not over use it! Debt can pile up very quickly if you use your credit card/ cards frequently. The more money you spend

and go into debt the higher the interest will be. This will mean a longer and more stressful process to pay off.

2. Keep all finances in order. If you do not keep your fiances in order than you can go into debt in many areas in your life.

not only your credit card debt will go up but, also you could go into debt because of loans and many other things.

3. Pay it off as soon as possible so your debt does not pile up. The sooner you pay off the credit card debt the sooner the interest

will stop piling up on you.

4.The credit card interest can go up. Your credit card interest could start out at 4.5% and then it could eventually go up to 7%. So

the sooner you pay off your debt the less interest you will have to pay off in the long run.

5. Shop around if you want to have a credit card. There are hundreds of different kinds of credit cards for you to choose, 6. Strange fees are charged in the name of costumer service.

6. Strange fees are charged in the name of costumer service. Since some of the banks are in trouble, they start to charge strange fees like 10$ to close an account and 15$ if the card is not used in six months to keep themselves alive. We should be really careful about this.

7. The class of 2010 graduated with 66% owing more than $25,000.

8. Student loans Must be repaid.

9. The student loan debt in this country exceeded $1 Trillion dollars,

and is higher than the nations credit card debt.

10.The average cost of a public 4 year education is $21,000.

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1. How to organize financial documents.

2. Hidden Credit Card Fees.

3.Nations student loan debt exceeds credit card debt.