Most of today's 18-35 year olds have several credit cards.

When each of the students at our university signs up for a credit card, he/she receives a free T-shirt.

Everyone of the students uses his/her credit cards to pay for extras like high tech toys.

According to research, the average credit card debt among undergraduates is 2,748.

One of the young people at the university has a $10,000 credit card debt and a $12,000 student debt.

The number of students with up to $20,000 debt is amazing.

Twenty thousand dollars is too much money to pay back.

None of the students is able to pay for his/her credit card debt.

Two-thirds of the debt is never paid because students often turn to bankruptcy.