Once I turned 18, I started receiving credit card offers in the mail, and I took it as an opportunity to start building some credit history.  Little did I know that a few years later,  after the ‘I’ll just use it to pump gas, buy this pair of pants for work, this book that I need, etc. etc. excuses,’ the charges would accumulate, and the interest rates, which never crossed my mind to keep track of, would have me swimming in the debt pool.  

It’s easy for young people to swipe the plastic cards, and repeat the ‘I’ll pay it later’ mantra in their heads.  Just out of college, I now face the bills of all the ‘little’ charges that I managed to make throughout my school life.

It was shocking to me to read that 41% of graduating seniors had credit card debt, with the average balance just over $3,000, according to the debt disease facts in www.keepitinyourpants.org.

I think young people need to be made well aware of the possible consequences of using these cards so freely, and of the astounding facts behind the credit card companies and banks that control this debt.  
KeepItInUourPants.org is giving a perfect opportunity to get this point across through your own creativity by making a 30-60 second PSA, warning against the dangers of debt disease, yes, much like the dangers of STD’s, another epidemic.  They will be giving away a $5,000 price to the first place winner, to be used for school related expenses.  

Take a stand and fight this debt monster that targets our age group, while still taking the chance to show your artistic side.  Go to www.keepitinyourpants.org for all the information, facts, and crazy videos.  And from now on, keep that card in your pants.