So you're getting ready for final exams during your senior year of college.
You're almost finished with your degree, and you've come a long way over the last few years.
Having to worry about debt management is probably the last thing you want to think about right now.
That's understandable, since you don't want any additional stress in your life.
However, it would be wise to begin thinking about this as soon as possible.
Believe me when I say that there will be much more stress in your life later on if you don't learn how to manage your debts.
The first thing you should be aware of is that many credit card companies target college students.
They know that most students are supported by their parents financially, and most young people do not have much experience managing credit card debt.
Thus, many credit card companies try to entice you with their deceptive offers like low introductory rates.
The problem is that after these rates expire, your interest rates can go much higher without your even knowing it.
Of course, they'll tell you that you should've been aware of this because it was in the terms and conditions that you should have read when you got your credit card.
But being the busy and dedicated student that you are, you simply don't like to read the fine print.
I can save you the trouble of having to read these confusing contracts if you'll simply remember this simple advice: beware of the Greeks when they bring gifts.
If you skipped that western literature class freshman year, let me tell you that this is referring to the story of the Trojan horse.
The Greeks left the Trojans a giant wooden horse as a gift, which the Trojans brought inside their city walls.
At night, after everyone had gone to bed, the Greeks snuck out of the horse and devastated the city.
Credit card offers can be a Trojan horse of your financial lives if you let them.
They sound appealing and you can't imagine that they could be a problem in the future.
Don't become another one of their victims.
Learn how to properly manage your debt before it takes over your life.