Picture this: You’re thirty-five, and still paying for your Sophomore Spring Break to Cabo. It sounds crazy, but it’s a reality for many cash-strapped graduates who maxed out their cards during their college years. Most college students boast a wallet full of plastic, and will spend years paying off the balances.

College cards are often a necessity (ranking right up there with tequila shots and coffee) during your four years, unless you have a big fat trust fund or a wealthy eccentric uncle. A multitude of costly expenses fall outside your tuition bill. Some are necessary, like food, books and transportation, while others are luxuries, like clothes, alcohol, trips and concerts. Here are some tips to avoid the debt trap that so many students fall into.

Compare offers
Be as choosy with what you put in your wallet as you are about which boys you let sleep in your bed (Editor’s Note: When alcohol isn’t involved). There are tons of credit card offers out there - don’t just take the first one you stumble upon.

Do your research: check out the finance charge, annual fee, cash advance fees and late payment fees. The finance charge can be as high as 25 percent on the unpaid part of your bill, and the annual fee can suck up a hundred bucks each year. For cash advances, most cards charge a scary amount and high interest. Read the fine print, and look at what a late payment can do to your rate (hint: just one late payment increases your interest rate). Try sites like credit.com or bankrate.com) to compare cards and score the best deal.

Screw the free-t-shirt
Forget the free-t-shirt/ water bottle/ random-crappy-thing-that-you’ll-never-use-again. Don’t apply just to score free gear. With every application, an inquiry is made into your credit history. This can pull down your credit quicker than a drunken frat guy drops his pants (or yours). Push through the crowd of over-eager credit card pushers - its okay to say no. Read More »

I know the Olympics are supposed to be exciting to watch, but, let’s be honest, besides scoping out the hotties, sometimes the excitement just isn’t there. But, of course, you have to watch because it’s a huge deal and you want to see if the US can dominate in ways other than invading countries and water boarding.

How to turn a quiet evening of competition into something a little more….fun? Why not do what college students have been doing for centuries: add alcohol.

We at CollegeCandy love alcohol (almost as much as we love bad TV) and try to add it to everything (except driving…and voting), so we did some research and came up with quite a fantastic game that goes well with booze and the Olympic games.

Grab some friends, stock the fridge with the bevy of your choice (though we recommend beer, as the games could go all night) and let the games begin. Note: A couple bags of chips aren’t a bad idea either. Or, I don’t know, a cake?

Now, be advised that this game is very adaptable to whatever sport you happen to be watching. That means you can play again and again! And here are the rules: Read More »

There’s nothing like a reunion tour, particularly when paired with a group that went south after one bad movie.

As soon as a friend of mine asked if I wanted to see the Spice Girls Reunion Tour, I squealed as though I was twelve again. I might even have started zig-a-zig, ahh-ing. I can’t really remember the exact way it went down, but next thing I knew I agreed to an evening of girl-powerful nostalgia at far too high a price.

Whatever. It’s the Spice Girls. The Visa statement can wait, alright? The show was this past weekend in Jersey, and ladies, let me tell you. It was awesome. And I am not ashamed. Read More »