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Mirapex online without prescription, College students are carrying record-high balances on credit cards and charging items even though they know they don't have the money to pay for them, says a new study by student lending giant Sallie Mae. Mirapex buy,

Students last year carried an average balance of $3,173, mirapex online sale, Mirapex cost, up 46% from 2004. And graduating seniors carried an average balance of more than $4, cost of mirapex, Tablet mirapex, 100, up from $2, mirapex us, Buy mirapex in us, 900 in 2004. Almost half of graduating seniors carried a balance greater than $7, generic mirapex, Mirapex prescription, 000.

Other findings:

How many cards: 84% have at least one credit card, buy cheapest mirapex online. That's upÂ from 76% in 2004, mirapex online without prescription. Mirapex online pharmacy, The average number of cards is 4.6. Half have four or more cards.

Making payments: Only 17% pay off their balance each month, find cheap mirapex, Buying generic mirapex, and 22% make the minimum payment. Only 14% pay some cards in full and make only the minimum payments on others, buy mirapex lowest price. Overnight mirapex, And 7% pay less than the minimum payment.

Charging tuition: Mirapex online without prescription, One-third put tuition on their credit card, up from 24% in 2004.

What else do they charge? Besides education supplies and books, mirapex alternative, Buy mirapex generic, 84% use credit cards to pay for food; 70% for clothing; 69% for cosmetics.

No clue about balances: 60% were surprised how high their balances had reached, mirapex pharmacy, Cheap mirapex in usa, and 40% charged items they knew they couldn't afford.

Getting that first card: 58% got their first card from a direct mail solicitation, mirapex pharmacy online. Only 17% said parental referral.

"These statistics are concerning, because these students will walk into the 'real world' with a lot of debt from their credit cards and student loans," says Bill Hardekopf, CEO of LowCards.com and author of The Credit Card Guidebook. "It is going to take some time and work to pay it all off, mirapex online without prescription. They are also learning bad practices with credit cards and not receiving the financial guidance they need."

I think the answer goes beyond mere education. We need to restrict the kinds of cards people under 21 can get, as I explained in my recent MSN column, "Teens need a financial driver's license."

Hardekopf, however, said card issuers will battle any attempts by Congress to restrict the marketing and availability of credit cards to college students.

"College students are an important target market because card loyalty starts at a young age," he said. Issuers "also consider these loans to be a pretty good risk because parents usually bail out their children."

To conduct the study, researchers analyzed aggregate credit bureau reports for a randomly selected group of 1,200 student loan applicants. In addition, surveys were sent to 5,800 undergraduates, of which roughly 5 percent responded. The full study is available online:Â www.SallieMae.com/creditcardstudy

For the latest news on credit cards, check out my columns: