[punkass]

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I didn't mean to generalize into the home and student loan area, I do agree that these are good, I've taken advantage of them myself, and I know little about business loans, so I wasn't thinking in this area.

But, too many people buy too many things, especially on credit, simply because they feel they need it and never consider if they can afford it. As a recent grad who has only incurred student loan debt, I don't see it being as impossible as most seem to think.


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Since you said that you should have to worry about your credit score since you should pay cash for everything, I took your stance as pay cash for everything. Your credit score is very important when getting a home mortgage. Getting a mediocre rate sucks when you have it for 30 years (or even 5 years).

I think we all agree that carrying credit card debt is horrible.