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New college students should shred those credit card applications in the mail (Belleville News-Democrat) - As both a professional consumer counselor and the mother of a 19-year-old son who is about to go off to college, Connie Kilmark has no qualms about what to do with the three-or-so credit card applications the young man receives in the mail each week.. Credit debt awaits financial freshman (Milwaukee Journal Sentinel) - As both a professional consumer counselor and the mother of a 19-year-old son who is about to go off to college, Connie Kilmark has no qualms about what to do with the three-or-so credit card applications the young man receives in the mail each . Payday loan debt endangers military, lawmakers say (Contra Costa Times) - With a family to feed and no money for groceries, Navy Yeoman 2nd Class Damon LaForce recently did something the military is trying to crack down on: He went to one of the many payday-lending businesses near his base for an instant loan.. American Indian credit counselor training now available on three Montana reservations. (Glacier Reporter) - Native Americans on three of Montana's reservations and the Little Shell Tribe of Chippewa will now have access to ongoing credit counseling services through a new initiative, the American Indian Credit Counselor Training Program.. Credit Help Gets a Makeover (The Motley Fool) - America's gotten a lot savvier about credit. Now that we can take a free, no-strings-attached gander at our credit reports every year (courtesy of www.annualcreditreport.com ), we're more cognizant of the impact bad credit has on our everyday lives.. Foreclosures rise as income falls, expenses pop up (Dallas Morning News) - Kemisha Jones doesn't want to leave her 2-year-old southeast Dallas home.. Financial Fix Up: Mom in search of a budget (San Antonio Express News) - Laura Wilson just finished paying off thousands of dollars in credit card debt after years of struggle. So why would the single mom take on a $137,000 mortgage?. Perfect score: Unrealistic and unnecessary (Bankrate.com via Yahoo! Finance) - While it's theoretically possible to get a perfect credit score, there's really nothing to be gained by it.. U.S. consumers struggle with debt (International Herald Tribune) - Rising interest rates and higher gasoline prices are putting the squeeze on American consumers' budgets, and many are finding it harder to keep up with their bills.. Sports Gambling Contributes to Nation’s Growing Bankruptcy Rate (PR Web via Yahoo! News) - (PRWEB) August 30, 2006 -- Although it can start out as innocently as joining the office football pool or an afternoon at the race track, sports-related gambling has risen to record heights in recent years, leading to an unprecedented number of bankruptcy filings for thousands of Americans..