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Message: <blockquote data-quote="crapsguy" data-source="post: 4231093" data-attributes="member: 45160"><p>nearly force feeding young people student loans and easy access to cards has been a big part of the problem - then having an idiot promise to pay student loans off compounds the problem.  personal finance/responsibility should be required courses in public schools and freshman college.    for my part - I use credit cards for everything to get flyer miles and cash back - and set them up to auto pay every month - will never spend more than I have available to pay.  I will borrow money on a car or house if the interest rate is low [just paid off a 1.9% car loan]  some people say "what if I can't pay it off" - THEN DON'T DO IT</p></blockquote><p></p>