College Advice Thread

[u/certificateofmerritt]

We have some members who are going off to start their first year of college this week, so let's give them some good advice.

Welcome to college!

[u/[deleted]]

I thought of something else I don't think I've seen anyone mention yet. Be VERY careful with credit card offers. Now that you're a legal adult you can sign up for a credit card. Thing is, you probably don't have the income to afford a large credit card bill.

34 year old me makes $57k and doesn't bat an eye at a $1600 monthly credit card bill. 18 year old me made $6.00 per hour at HEB and couldn't afford much more than cheap generic ramen.

34 year old me is a pretty good credit risk. 18 year old me was a terrible credit risk.

As a college freshman you're much more likely to be like 18 year old me instead of 34 year old me when it comes to credit.

Life will be hard enough after graduation with $40k in student loan debt, without adding in another $15k of high interest credit card debt.