@Pizzagirl well thats nice that you can pay off your cards in full each month. Some folks cant. Some folks dont have spouses making really good incomes so paying everything off in full is not an option. This thread was about college students, and since my husband was still in school when we were married sometimes balances rolled over due to unforeseen circumstances. At this point in my life I dont carry a balance, but I was not always as financially blessed as I am now.