Credit Management

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Credit Management

It is important that students take an active role in the management of their finances. In order to minimize the amount that may need to be borrowed for your education, students are encouraged to establish a budget. There are a number of helpful websites available to help you financially plan for the college years as well as life after college.

Cautionary Tales of the Student Debt Crisis

Students tell their stories and offer advice. Students are faced with an amazing amount of temptations and find themselves falling into the debt trap. Produced by Virginia Blackburn, a professor at Iowa State University in the College of Business and Information Technology Services.

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Identity Theft

In an ongoing effort to manage your credit, it is increasingly more important that you take steps necessary to protect your identity. Identity theft occurs when someone obtains important personal information, such as your name, address, date of birth, social security number, mother's maiden name, or account numbers to commit fraud or theft. Visit www.iowaattorneygeneral.org/consumer/advisories/ident_theft.html or The Student Guide for information and guidance on how you can protect your identity.

In Iowa, consumers can request one free credit report every 12 months from Equifax, Experian, and TransUnion. If your identity has been stolen, it will be evident on these reports so we encourage you to request them yearly. To request your free credit report, visit www.annualcreditreport.com or call 877.322.8228.