College is where many of us get to enjoy our first taste of freedom and living pretty much in the manner that we desire. Along with this newly found independence, comes financial freedom and responsibility. Because of this, many new college students today are in the marketplace for college student credit cards. Students see all the enticing college credit cards available with all of the unique rewards, points and cash back offers available sound so great and many students do not know exactly which way to turn. And unfortunately, many students decide to apply and begin using college credit cards anyway, and for all the wrong reasons. Students start by using these cards to live above their means with frivolous purchases (pizza and beer), and then graduate to purchasing expensive items for their dorm rooms just to impress their peers and so on and so forth.
College students receive advertisements and even applications from credit card companies for college student credit cards in the mail, their email inboxes, in their new textbooks at college book stores and even in the college newspapers. Many of these are stamped with the very enticing words ?Pre-approved?. Since these gimmicks are so appealing, students are more than willing to apply for these types of college student credit cards. Some credit card companies such as MBNA even offer credit cards for specific students such as those belonging to a certain club or alumni association. A college credit card can be beneficial, but only if the college students remember to read the fine print. These cards may sound very appealing, but they are credit cards and they all have a downside.
Many companies that offer college student credit cards understand the majority of college students only pay the minimum monthly payment and incur late fees and of course interest fees on their balance. This can begin to add up quite a bit of profit for the credit card company. The reason they offer cash back is to entice students to pay off their balance in order to receive cash back, however the interest rates and fees on these type of college student credit cards is normally very expensive. To get college students to apply for this type of card, they offer all kinds of incentives including a low interest rate as an introductory special. But the majority of the time the interest charges can accumulate and can end up being costly.
But the most important thing to remember is that if the student does not pay attention to his or her spending with college student credit cards he can seriously damage his credit. Once their credit rating is damaged they may be turned down for employment, purchasing a new car, or even a loan to purchase a home.
Learning how to read and understand the terms and conditions of college student credit cards is one of the most important things students should do prior to applying for a college credit card.
Misuse of ADHD as prescribed medicine has become one of the nation’s prevalent problems. Findings of a study done in 2001 was released in 2007. This study was carried out on almost 11,000 students from 199 nationally representative of 4 year collage students. These students were asked on usage of non-medical use of stimulant medications and were promised that their personal identities would not be revealed to ensure honest and open responses. Results included the following: - The percentage of students that have used the stimulants during their life time is about 6.9%. 4.1% reported that they have used such stimulants in the past year and 2.1% in the past month - Males used non-medically twice as much as females. Caucasians used at a significantly higher level that African Americans. - Sorority and fraternity members tend to use these stimulants at a rate two times more than non members. - There was more users of these stimulants among students with GPA B or below. - A collage with a more competitive admission criteria have higher number of students that abuses stimulants compared to colleges with lower admission criteria. Usage of stimulants not for medical purpose is associated with usage of other substance. Observe the following statistics that compares those who uses stimulants versus those that don’t. - Use of cigarettes: 67% vs. 24% - Frequent binge drinking: 69% vs. 21% - Use of ecstasy: 19% vs. 1% - Use of cocaine: 17% vs. 1% - Driving after binge drinking: 35% vs. 9% - Being the passenger of a drunk driver: 66% vs. 21% Most students claim that the number factor that drove them to use stimulants is to increase performance when studying outside of class. Stimulants are also used for recreational purposes however there is no significant prove to back this. One theory on abuse of stimulants is that these student actually do have ADD but failed to get it diagnosed. However, there is still the question of why those who really do not have ADD feel that they are experiencing ADD symptoms. There are even students who voice out that they actually don’t have problem with paying attention but over time has developed this problem. So what does this mean for parents who are concerned that their children may be using stimulants illegally? Parents need to check for some of the following symptoms. 1. Is your child under a lot of academic pressure, either to get in, or to excel, at his particular university? You may notice that he seems obsessed with getting into a school, or once in, worries constantly about keeping up and doing well. 2. How are his grades? If he seems horribly stressed and yet his grades are not reflective of his efforts, check with him. 3. Has your daughter lost a good bit of weight? Is she irritable and does she complain of having no appetite? Is this normal for her? 4. Is there other substance abuse that you are aware of? 5. Is your child complaining of problems with attention? 6. Does your child seem depressed? While the answers to these questions may not be a sure sign that your child is engaging in non-medical use of stimulants, pay attention to the answers anyway. You will definitely learn something about what your child is experiencing! The findings of this study has shown us many factors that led to stimulant abuse. College students should be adequately educated with knowledge on stimulant abuse and also the correct information on ADD. Treatments of this disorder; be it medical or alternative should also be made known so that people know that they can make choices. They should also know the consequences of self medication as opposed to seeking professional help.
Both Robert Alan & Jimmy Brownen are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Robert Alan has sinced written about articles on various topics from Credit Cards, Business Credit Cards and Credit Cards. For more discussion on how to differentiate between , Robert Alan recommends that you visit CreditCardAssist.com. Robert Alan's top article generates over 110000 views. to your Favourites.
Jimmy Brownen has sinced written about articles on various topics from Health, Family Concerns and Brain. Jimmy Brownen is a leading expert in the field of /ADHD and has years of experience in the treatment of it. For more information on the disorder or for alternative. Jimmy Brownen's top article generates over 6600 views. to your Favourites.