If I'm going to be the nagging mother type, if you have a lot of debt, especially high-interest credit-card debt, pay some of that off with your refund.

For the average student to incur that kind of debt, with interest, boggles my mind. I don't know how a student, being on their own, could afford to go to college.

They expressed interest and we saw it as an opportunity to reduce debt.

Consumers are very concerned with value given high gas prices, interest-rate increases and high debt levels.

He that buys upon Credit, pays Interest for what he buys.

I would just tell him how proud I am and what a true honor it was to be his mother.