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How credit card debt could affect new graduates later in life

On Behalf of | Feb 5, 2013 | Credit Card Debt

Credit cards make many things possible for Oregon residents. While they can certainly be helpful at times, it is important to make sure that they are not being used to the point where they are no longer making things better but worse. A study that took place recently showed evidence that the generation graduating college right now may be working with much higher credit card bills than they can manage.

For those who find themselves accumulating credit card debt that doesn’t seem to end, feeling trapped and worried are two incredibly understandable emotions to have. The study reported that many college students graduate and begin their adult lives with an already substantial credit card bill that they only pay small amounts of month-to-month. Such a strategy could leave those in the millennial generation with credit card debt for enough time to outlive even them.

One thing that the professor who oversaw this study mentions that could help would be if credit card companies raised their very minimal minimums for monthly payments just a little. According to the findings, such a change was adhered to by those paying their credit card bills, and the professor posits that it could help to create less debt and allow cardholders to manage their bills more efficiently.

For those in Oregon who have accumulated credit card debt that leaves you fearful of how to pay it off, contacting legal counsel could be the first step in taking back control of the situation. It can be very scary to not know what else to do or how to get out of debt, but working with a bankruptcy attorney who knows this field could help you to get back on your feet and give you and your family a chance for a fresh start.

Source:, “Millennials likely to take debt to their graves,” Audrey Quinn, Jan. 31, 2013

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The Law Office of Kim Covington, is a woman owned debt relief agency, and I have helped families, individuals and small businesses, file for bankruptcy relief under the U.S. Bankruptcy Code, for over 24 years.