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Mmm, that's true of course, but "do some research before taking on debt" isn't how young college students choose which beyond-their-means college they're going to attend. Investing in debt is all well and good when you have a job or a financial base to fall back on. Most young accruers of debt -- I'd imagine 99 percent -- do it for the wrongest of reasons.

There are also other ways to have a good credit score.