The good intentioned use of the credit card by the college student soon becomes an out of control monster. Fortunately, college student cards come with a reasonably low limit and a low interest rate as well. Although the college student cannot get into the same degree of trouble with their card as they would be able to with other credit cards, they can still max the card out with non-emergent charges.

Best available student card offers are listed below:

Discover® Student Mix Tape Card
Rates			Fees
Intro Rate	APR	Cash Adv. Rate	Cash Adv. Fee	Late Fee	Annual Fee
0%(6 months)	as low as 13.99% to 20.99%	23.99%	see terms	see terms	$0
0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% – 20.99%* 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Limitations apply* Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com Up to 1% unlimited Cashback Bonus on everything else you buy $0 Fraud Liability plus mobile and email fraud alert options Great rewards with no annual fee, no rewards redemption fee, and no additional card fee

Discover® Student Open RoadSM Card
Rates			Fees
Intro Rate	APR	Cash Adv. Rate	Cash Adv. Fee	Late Fee	Annual Fee
0%(6 months)	as low as 13.99% to 20.99%	23.99%	see terms	see terms	$0
0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% – 20.99%* Double Cashback Bonus®* at gas stations and restaurants. Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com Up to 1% unlimited Cashback Bonus on everything else you buy $0 Fraud Liability plus mobile and email fraud alert options Great rewards with no annual fee, no rewards redemption fee, and no additional card fee

Discover® More Student Card
Rates			Fees
Intro Rate	APR	Cash Adv. Rate	Cash Adv. Fee	Late Fee	Annual Fee
0%(6 months)	as low as 13.99% to 20.99%	23.99%	see terms	see terms	$0
0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% – 20.99%* 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Limitations apply* Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com Up to 1% unlimited Cashback Bonus on everything else you buy $0 Fraud Liability plus mobile and email fraud alert options Great rewards with no annual fee, no rewards redemption fee, and no additional card fee

If our young college student accepts the “education” he/she gets from using credit, he/she will understand that the cure to credit card debt is to treat the card the same as any other credit card. Use it only for necessity, realizing that what you purchase today with the card comes due at the end of the month for cash.

College student credit, in the form of credit cards, is really an educational tool for learning credit lessons that will carry over into the world beyond college. One of those lessons is that you do not obtain another credit card because you have reached your limit on the current one. Another lesson is that debt is debt, whether in the form of credit card debt, or obtaining loans to cover “extra” expenses. In the end, the piper receives his due. Another way to help you stay on track is to check your credit score regularly.