The Issue of Student Credit Card Debt学生信用卡债务问题

One of the biggest problems for students who have gone on to get a higher education is debt.其中最大的问题为同学们已获得高等教育的债务. Student credit card debt on top of leaving university owing enormous amounts of money in tuition fees can be more than many young people can handle.学生信用卡债务离开大学之上,由于巨额学费可以更比许多年轻人后继无人. So often the question these graduates are asking is what can they do about all this debt when they have barely begun to earn an income?所以这些问题往往是毕业生问怎么办时,他们对所有这些债务勉强开始入? Student credit card debt is a serious problem.学生信用卡债务是一个严重问题. Most people do not think of students using credit cards but recent studies have shown that seventy eight percent of university students have a credit card.大多数人并不认为学生使用信用卡,但最近的研究显示,78%大学生拥有信用卡. By the time they graduate ninety five percent are using credit cards.到他们毕业时有95%使用信用卡. Thirty two percent have as many as four, while most have at least three.32%,有多达四名,而最有至少三名. It doesn’t matter if these are gas cards, or department store cards or cards that can be used everywhere like Visa, MasterCard or American Express.不管这些气体卡百货卡或打牌一样,到处可以用来签证,万事达卡或美国运通. Any card can be a debt trap.任何可卡债陷阱.

Research is telling us that student credit card debt is an ever growing problem.研究告诉我们,学生信用卡债务不断增加的问题. For those who are unable to find a job or who cannot devote enough time to a part time job because of the intensity of their studies the credit card is an easy answer.对于那些找不到工作或不能投入足够的时间参与工作时间由于强度学业信用卡是轻而易举的答案. University students on average owe nearly two thousand seven dollars on their credit cards.大学生平均欠下近2000万元的7个信用卡. Twenty five percent of them owe over three thousand dollars while as many as ten percent are in debt for over seven thousand dollars.25%,其中欠3000万元以上,而有多达10%的债务超过7000美元. Most students have no idea what to do to correct this.大部分学生不知如何是好予以纠正. The first thing that must be done to ease this massive student credit card debt issue is to teach students to use cash to pay for what they need.必须做的第一件事,缓和这种大规模的学生信用卡债务问题是教导学生用现金支付他们需要. If they do not have the cash then whatever it is they don’t need it.如果没有现金那么无论是他们不需要它. Unfortunately if this is expensive school books or supplies the credit card may be the only answer for some.可惜如果这是昂贵的书籍或学校用品信用卡可能是唯一答案部分.

After they graduate students may decide that consolidating all their debt and paying off the credit cards as well as the tuitions fees may be their best option.学生毕业后可以决定一切,巩固了其清偿债务和信用卡以及学费收费可能最好的选择. There are many services that can help them find the right plan to consolidate their student credit card debt.还有许多服务,协助他们找到正确的计划,以巩固其学生信用卡债务.