ORIGINAL: P-40 DRIVER
There are 2 types of people in the world, the people who can manage credit and those who can't.
You right. People can yap yap all they want about this topic and it won't change anything. It boils down to one word ~* Responsibility*~.
Be responsible, so when your kids ask you for college money, you will be able to help them, instead of watching them walk to their room with their head down to put on a Winn-Dixie uniform. One day when your child comes home and says, hey dad guess what, I have a PH D, you'll be glad.
CHEERS...