And third, splurging is a hard habit to break. By paying interest again and again, we're keeping credit companies booming. Campus can do a few things to help vulnerable students resist the credit urge. Believe it or not, it's illegal to solicit on campus without approval. Campus needs to crack down on solicitation by fining vendors without permits.
Students can help, too.
When vendors approach, ask them if they have a permit. If they have a permit, great. And resist the urge. These cheap incentives reveal just how material-hungry students are. Traveling through campus, we're on the way to big things.