This may seem like an odd thing to do, but for the month of January I collected all the credit card offers that came to our home.

Ross received seven.
I received nine.
My second year college student received 16!

This is ridiculous. My college age son works for a couple months in the summer and I can tell you he doesn't have money for a crdiet card.

In addition to the applications, we also received blank checks! This boggles my mind. What are these banks thinking? It's so unfair. They prey on these college kids knowing they need the cash. I've heard stories about kids graduating in debt up to their ears. What kind of way is that to begin living independently?