It is no surprise that the amount of credit card debt and outstanding loan balances of college students is increasing every year. College students are heavily targeted by credit companies through the use of e-mail, campus booths, and standard mail. The reason for these solicitations is because of the soaring expense levels of college students and the potential that such a large group has to add profits to the issuing firm. Marketers are interested in credit card usage of students to determine the best methods for gaining market share in this emergent market. Credit card and loan usage patterns of college students are investigated.