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Cambridge Credit Helps Prepare College Students to Deal with Credit Card Debt

Agawam, MA (Vocus) August 21, 2008 -- As another summer comes to a close, more than 15 million college students are busy preparing to return to their college campuses. The rush to purchase school supplies and replenish wardrobes has become a familiar ritual, however, many college students are not as prepared when it comes to their financial choices. College student credit card debt is on the rise, but few young adults are ready for the long-lasting consequences that come with it.

The debt accumulated by today?s students already forces many of them to work longer hours than their counterparts in preceding generations, often resulting in reduced academic loads and increased dropout rates among undergraduates. In fact, after academic difficulty, the need to deal with troublesome debt has become the second-most cited reason that students interrupt the traditional four-year college track. And for those who do make it to graduation, heavy student loan burdens and credit card debt pose a challenge that will make life after college a bigger financial challenge than ever before.

?Graduation from college is a wonderful achievement for students and parents, but these days it?s often a stressful experience, as well. Today?s students come face to face with the prospect of repaying their student loan debt at a time when they?re just discovering the realities of independent living on an entry-level salary,? notes Christopher Viale, president and CEO of Cambridge Credit Counseling Corp. ?When a student complicates matters by taking on more credit card debt than they can properly manage, they?re also pushing back the clock on buying a home and starting a family, the traditional benchmarks of the American Dream.?

Cambridge Credit Counseling distributes a free guidebook called Learn Now or Pay Later to help educate students and their parents about the fundamentals of credit, debt and personal finance. According to Viale, ?The goal of our free e-guide is to empower young adults with the knowledge they need to make sound financial decisions, allowing them to build a strong foundation for success.? The guide can be downloaded at no cost from the company?s financial education website, www.goodpayer.com or by clicking download Learn Now or Pay Later e-guide (http://tinyurl.com/6ozhf6).

Cambridge's education staff also conducts seminars on a variety of financial topics for colleges and universities. Interested parties should contact Martin Lynch at (413)-241-2401 for more information.

About Cambridge Credit Counseling Corp.:

Cambridge Credit Counseling Corp. is a professional debt counseling agency, dedicated to educating young adults on the importance of sound financial management and to providing financially distressed Americans with education and debt management services appropriate to their needs. For more information on this article or to schedule an interview, please call 413-821-6919.

Visit Cambridge Credit Counseling Corp. online at http://www.cambridgecredit.org/. To learn more about Cambridge Credit Counseling Corp. and the community, please visit our YouTube page (http://www.youtube.com/CambridgeCredit). For more helpful information, check out Cambridge?s Financial Literacy Blog. (http://www.cambridgecredit.blogspot.com/)

Contact:

Thomas Fox

Cambridge Credit Counseling Corp.

413.821.6919

tfox @ cambridgecredit.org

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