As most college students know, choosing a college degree opposed to going to work can leave several in a unfortunate predicament. Some students are left with no choice but to invest in a credit card to fund their living expenses. Some don’t realize the long-lasting effects credit cards have, until it is entirely too late. One late payment can jeopardize a credit score exponentially, not including the expensive fees that are also incorporated. So, before you bite the bullet, here are some things to be considered. One thing several college graduates have in common is the burden of credit card debt and student loans. According to CNBC, 70 percent of college students graduate with a significant amount of loan (Hess, 2018). The average number of debt is $37,172.00 which is also equivalent to a down payment on a home, brand new car, and business cost startups just to name a few. With the increasing competitive job market, it is crucial for students to obtain there degree however there