What You Don’t Know About Student Credit Card Debt
Can Ruin Your Life!!!

debt management
Foreward by Shauntay Hinton,
Former Miss USA® 2002

debt

Dear Financially Frustrated Student,

How much are bad credit, outstanding debt, and lack of money management skills costing you?

Suppose you could be denied for a job simply because you’ve maxed out all of your credit cards. What if purchasing that car, that you just had to have, kept you from graduating? Could making the decision to move off campus ruin your financial life?

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I’m no dummy; in fact, I graduated from college a full semester early. I also graduated with 9 credit cards, a charge card, and $15,000 in unsecured debt! No one ever told me that bad credit could ruin my life after college, OK-they “told me” things like “don’t spend more than you make” and “use your credit card for emergencies only”, but what they never TOLD ME was what would happen if I didn’t listen! I couldn’t be talking to you-after all you don’t nearly owe that much right? - Well don’t think that you’re doing OK if you don’t have as much debt as I had-it’s not necessarily the amount, but the way you handle it that can get you in big trouble! Here’s what I learned the hard way:

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I didn’t get the great job that was going to pay the sweet salary that was going to pay off all the debt I had racked up! In fact, I was denied several jobs because of my credit rating.
My car wouldn’t make it down the street let alone to the city, but getting a cool new car (actually a phat SUV) wasn’t even an option with the shape my credit was in. They wouldn’t even give me the steering wheel!
Spending Spring Break with my friends in South Beach wasn’t worth not being able to go on another vacation for more than 5 years after I graduated!
I hated living on campus; I loathed the overcrowded dorms with the loud students, weird odors and having to share a room the size of a jail cell with a roommate! But what I hated more than having a roommate in college was having one after college because no one would rent me an apartment on my own!
By far one of the hardest lessons I learned about how bad credit can ruin your life came in the form of everyday reminders that I couldn’t afford to do cool things like eating at hip restaurants, buying trendy clothes, buying lunch at work, hanging out after work or going to a bar or party at required me to pay for it!

Will this be you?

Imagine going on the interview for your dream job only to be denied employment because of what your credit report (not your resume) says about you.

Sound too far fetched to be true? Well, it isn't.

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You don’t have to imagine, here are some financial facts to help make it real for you …

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I want you to be very aware about what bad credit will mean to you in the future:

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	73% of all jobs require some form of credit or background check. Source: Ultra Security Systems
	More than 100,000 people under the age of 25 filed for bankruptcy in 2001 citing outstanding student loans and credit card bills as the primary reasons. Source: Student Aid Report, 2001
	One out of every four (25%) college students returns home to live with their parents after graduation. Source: University of Florida
	You are 25% less likely to get married and 60% more likely to get divorced due to bad debt. Source: United States Marriage and Divorce Statistics, 1998
	37% of students starting college do not graduate, more than half of them list finances as the main reason. Source: Student Statistics Survey, 2000

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Still not convinced that bad credit can ruin your life? Consider this …

	You will be denied for additional credit cards or for credit cards with low interest rates.
	You will be denied for additional credit cards or for credit cards with low interest rates.
	Your apartment application will be denied. You will have to always live with someone who has better credit than you.
	You will be declined for a checking account, or denied the privilege of opening other types of accounts with a bank or other lending institutions.
	You cannot buy furniture, computers, or any other big-ticket items on credit or with financing.
	All potential creditors will classify you as a high risk, and you’ll be charged the highest possible interest rate - you’ll pay an average of 25% more for everything.
	Getting a mortgage will be difficult. Getting a mortgage with a manageable interest rate will be impossible.

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On the other hand …

Imagine going on that same interview confident that you have the educational qualifications AND the benefit of having applied the necessary money management skills to land the job!

Think about it. College is a big investment of money and time. Simply put, you’re going to college so you can get a high paying job and the lifestyle that goes along with it-- NOT to be denied jobs, credit, and possibly not graduate at all!

The only real question to ask yourself is this, What Don’t I Know About Money, Credit and Debt that Can Ruin My Life?

"Crack Da Code, What Every College Student Needs To Know About Money, Love and the Dream Job” will provide the answers.

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	How Bad Credit Can Keep You From Getting ANY Job (Page 25)
	How To Establish Excellent Credit While You’re In College (Page 43 and 61)
	How To Immediately Reduce Debt (Page 15)
	The 5 Most Important Money Lessons No One Will Ever Tell You (Page 17)
	How To Survive College On A Budget (Page 75)
	10 Ways To Make Money In College (Page 81)
	Simple Tips For Banking, Saving and Making Money (Page 35, 75 and 81)
	How Using Credit Responsibility Can Make You Rich (Page 19)
	Love Games You Should Never Play (Page 89)
	How To Apply For And Land A Hot Internship (Page 99, 103 and 111)
	How To Choose A Career (Page 127 and 131)
	And too many more to list

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At last! A book about money that’s speaks your language! This book was written by a former debt strapped college student, for students who want to make smart money choices but don’t know how.

Don't take my word for it ...

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MORE TESTIMONIALS

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Order a copy right now and judge for yourself how much “Crack ‘Da Code, What Every College Student Needs To Know About Money, Love and the Dream Job” is worth to you. Compare the cost to the money you will spend on credit card interest, late fees, and finance charges without it. Now, when you make that comparison you know this will be one of the biggest MONEY SAVING investments you’ll make!

Plus you’ll get a FREE bonus when you order your copy from this web site today.

Free Bonus: E-book version of The Simple Credit Basic, “Credit Education Guide” ($15 value) Immediately available once your order is complete.

From this information packed guide you’ll learn …

How The Credit System Works
How Credit Reporting Agencies Operate
How to Read a Credit Report

And more!

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Look at it this way -- $14.95 is really a drop in the bucket compared to the money you're already blowing on CD’s, movies, and beer. That's why ...

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	You’re a college student or young adult
	You want to make and save more money--NOW
	You’ve ever paid for a pack of gum or soda on credit
	You have a strong desire to be financially independent
	You’re the parent of a college student or young adult
	You’ve made bad financial decisions that you need to correct
	You want to land a hot internship
	Having a credit score as high as your GPA is one of your goals
	You’re looking for your dream job
	You still have $14.95 available on your credit card (or in your checking account)

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Sincerely,

Sanyika Calloway Boyce

“The #1 Financial Fitness Coach For College Students”

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P.S. If you order online right now, you'll get The Crack ‘Da Code Credit Conscious Creed™Download it, read it, heed it, and post it somewhere to constantly remind yourself of the promise you’ve made to a promising financial future!

P.P.S. Just think! By buying this book you'll never again suffer through the frustration of having bill collectors harass you!

P.P.P.S. This book will show you how to make, save, and spend money faster, easier and more responsibly. Buy it today!

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Learn How to Manage
Credit Card Debt Now

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