According to a Nellie Mae study, 93 percent of graduate students would have liked more information on financial management topics before they started school and would like financial management education made available to them now.

Wise ways to use a Credit card are:
Pay off your balance every month. 
Use the card for needs, not wants.
Never skip a payment. 
Use the credit card as a budgeting tool. 
Use a rewards card.
Stay under 30% of your total credit limit.