Giving students limited access to credit card use could be the solution. Because “many students have no idea about money management” (Draper, “TCF Bank Survey: TFCMM) they have difficulty paying back banks. A survey sponsored by TCCF Bank in Draper's article conducted a study with teenagers on money management, and truth be told, about 90% had said in the survey that they had not been taught how to handle financial management. (Draper, “TCF Bank Survey: TFCMM). Familiarity with financing can harm these teens' futures once they graduate. Many graduates fall into debt every time once they graduate because they cannot repay money borrowed from banks, usually student loans, money lent by other organizations. Many students who need financial help turn to multiple organizations to lend them more money so they can pay off another debt. while this helps a little, it will most likely double your debt. Because it means giving back the same money and can cause a big headache. The student's life could be in danger and would be forced to work double shifts to pay off the debt. Lennon's article on college debt mentions that college loans have increased, with an average of $26,000 in student loans. (Lennon, “With college debts looming, paying off is still achievable.”) not them. Students are stressed about many things, especially after taking numerous tests and exams at school. Students of their age are more active and during this age buying things is just out of greed. Studies conducted by Palan, Morrow, Trapp II and Blackburn conducted a research called "Compulsive Buying Behavior in College Students...... half of the paper ...... without debt. Works Cited Palan, Kay M., Paula C Marrow, Allan Trapp II, and Virginia Blackburn. “Compulsive Buying Behavior in College Students: The Mediating Role of Credit Card Misuse.” Financial literacy lessons prove beneficial for student card holders. " CardLine. EBSCO, April 15, 2011. Web. February 19, 2014. Draper, Heather. “TCF Banking Survey: Teens Feel 'In the Clueless' About Managing Money.” The Business Journals. American City Business Journals, October 15, 2013. Web. February 19, 2014. Mantell, Ruth “Beware College Students Carrying Credit Cards.” 2014. Lennon, Nicholas. “With college debt looming, repayment is still achievable.” The Business Journals, November 6, 2013. Web. February 19. 2014.