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The average college freshman owes over $1500 in credit card debt; For many college students debt is an unforeseen side effect of going off to college.
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Faced with enormous credit card debt, many students choose to declare bankruptcy. However, according to Charnes, bankruptcy has several serious effects:
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Credit card debt is a major concern this time of year. Students can be at a higher risk than most, as they are key targets for credit card companies.
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