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Credit card companies are eager to market to students, who often need money and may not know to seek credit card help.
But the explosion of credit cards aimed at students is creating long-term credit card debt and credit card problems for young people.
Students often lack the expertise to know how to manage credit card problems.
They need credit card help before they incur long-term credit card debt that can plague them for years to come.
Students need to understand how to avoid credit card problems and long-term credit card debt.
Credit card help is the first step. Counseling helps students learn when to use -- and not use -- their credit cards.
Credit card help teaches new credit card holders that credit cards are not free money.
Credit card help will show students how to avoid long-term credit card debt, as they embark on their careers.