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College Students
Debt Stats


Minimum Payment: Lifesaver or Trap?

How Much Debt
can I Handle?


Do I Need it?
Or Want it?


FAQ on Credit Ratings

Credit and Debt Resources

Credit and Debt Links

I NEED HELP!

Credit and Debt Resources
Info Info Info

Student Credit Card Usage Analysis - Summary
» WEBSITE

Student Credit Card Usage Analysis – Full report
» PDF

2003 Results of the National Student Loan Survey – Nellie Mae
» WEBSITE

Hearing on the Importance of Financial Literacy Amongst College Students
U.S. Senate Committee on Banking, Housing, and Urban Affairs
» WEBSITE

Testimony: What do Students Need to Know to Plan for the Future
Dr. Angela Lyons, Assistant Professor of Economics
» PDF

Check It Out! 1-888-5-OPTOUT (888-567-8688)
The three national credit bureaus offer a toll-free number to allow consumers to "opt out" of pre-approved credit offers with one phone call. Especially helpful in decreasing risk for identity theft.

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FACT sheets and WORK sheets

Give Yourself a Credit Checkup
» PDF

Your Credit File has up-to-date contact information as well as information about correcting errors.
» PDF

How Much Consumer Debt Can I Manage?
This will help you not only look at debt ratios now – but also can help you plan for after graduation.
» PDF

How to Get Out of Debt
It’s best to come up with a plan! The first step is to list all your creditors.
» PDF

Monthly Expense Chart
» PDF



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PowerPay: Individualized Repayment Plan

This is an individualized debt analysis and repayment plan. It is provided free of charge, and can be done through the mail. The repayment plan is structured to minimize interest. You will be emailed the necessary forms to complete and then will need to mail them back or drop them off at Health Services.

After we run the analysis through the Power Pay software, you will receive a printout of the repayment suggestions along with an estimation of how much you will save by following the repayment schedule. A code is entered into the computer instead of your name, so confidentiality is assured. We discard all information after the analysis is complete. Email projectcash@unh.edu for more information.

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