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If college students could have one wish it might be to receive a good college education without having to spend the next twenty years paying off massive student loans and college student credit card debt.

“Genie, grant me my wish.” Poof. What college student credit card debt?

Dear Aladdin wannabe’s, if only it were that easy! The truth is you can earn a great college education with less college student credit card debt. It takes a little money management savvy and an increasingly un-American concept called self-control.

“There are more money issues for today’s students than in any other generation before them,” says Todd Romer, executive director of Young Money Magazine.

From the rising cost of colleges to luxuries like cell phones and high-end dining establishments that are popping up all around college campuses, you may find yourself graduating into college student credit card debt hell by the time you’re twenty-two years old. And all you truly wanted was a debt-free college education!

If you’re looking to stress less about money and be proactive about college student credit card debt, give the following tips a try:

1. Use credit cards sparingly.

The average credit card debt owed by college students is about $2,700, with close to a quarter of students owing more than $3,000. About 10 percent owed more than $7,000! That’s not even including student loans.

“Getting a credit card is not a bad idea,” says Romer. According to a recent study of student loan applicants conducted by Nellie Mae, a leading provider of higher education loans, 78 percent of all college students today have at least one credit card. That being said, Romer advises that college students keep your credit card in the deepest part of your wallet to use for emergencies and/or large purchases that you know you will pay back within thirty days.

Have a tendency to use credit cards as, say, gift cards? Romer suggests that college students call their credit card company and ask them to put a $500 max on the card. Also have them not change the limit until you are the one who communicates to them that you want to increase your credit limit. “Until you become more responsible, and that just evolves over time, have a third-party reign in on your spending,” adds Romer.

But how can you earn a college education minus college student credit card debt when some colleges and universities form multi-million dollar partnerships with credit issuers and give them the go ahead to solicit students right on campus? “If you see a Bank One credit card table showing up at your school in the student union once a week, just realize that you don’t have to participate in the promotion on campus,” says Romer. “Treat it like anything else you’re going to be tempted with in this world. Be smart about what you get involved with.”

2. Start a budget (ahem) weekly spending plan.

Yeah, a weekly spending plan is a sneaky euphemism for a budget, but c’mon, we have to make it sound a little more appealing to you college students. “In terms of taking charge of your finances, it really starts with knowing what you truly make,” says Romer. “Look at it as a weekly spending plan to help you earn a college education and reduce the stress of college student credit card debt.”

Romer adds that while more college students are working part-time or full-time than ever before, many still find that they’re spending more than they’re earning. “If you monitor your weekly spending plan about twice a week, you should be good to go,” he adds.

3. Be smart about college student loan debt.

“When it comes to your student loan, look at it as the most positive loan you could ever have and try not to stress too much about having to pay it back because you’re investing in your college education,” says Romer. That being said, you can escape graduating with student loan and college student credit card debt as high as our parents’ mortgages. For one thing, don’t be swayed by the hype about how everyone’s attending a name brand college and racking up student loan debt so — therefore — you might as well, too.

An article on CollegeBoard.com reveals that for the 2006/2007 school year, about 65 percent of students enrolled at four-year colleges or universities attend institutions that charge tuition and fees of less than $9,000 per year and fifty-six percent of students shell out yearly tuition and fees between $3,000 and $6,000. Moreover, while private four-year institutions have a much wider range of tuition and fee charges, College Board reported that only about 5 percent of all students attend colleges with tuition and fees totaling $33,000 or higher per year.

If your life long dream has been to earn a college education from a name brand college and you have your heart set on it, go for it! Romer suggests that you scrap for every type of scholarship and financial aid available though to avoid a college student credit card debt nightmare.

However, if you think that a name brand college is the only way to ensure future success and earning power you’re mistaken. “If you have a four-year degree, how you end up carrying yourself in an interview is much more important than whether you graduated from an ivy or a state school,” says Romer.

4. Think hard about graduate school.

Some new grads who aren’t yet ready for the working world decide to go to grad school immediately after college. While there are right reasons to go to grad school immediately after earning a college education, if you’re doing it for the wrong reasons, it’s a huge financial sacrifice, not to mention the years you’re missing out on gaining work experience.

“Gaining work experience is very important and you always have the opportunity to go back to grad school,” says Romer. “A lot of times, the company that you are employed by has the ability to pay half, if not all of your grad school expenses.”

If you have a concrete plan for grad school and where it will take you, it might not be a bad idea to go straight to grad school. If you’re just going because you don’t know what you want to do with your life, Romer advises that you gain a little work experience first. Explore careers and start to pay down some of your college student credit card debt. “Going to grad school without a concrete plan is going to be a financial negative on you because you’re not guaranteed that you can make a salary to help you pay back those loans relatively quickly,” he adds.

According to FinAid.org, a financial aid resource, the average graduate student borrows $37,000 in student loans – $42,000 if you count undergraduate debt.

5. Invest, invest, invest.

“Establishing a weekly spending plan in college and learning how to invest raises students’ confidence in their ability to take charge over their finances after they graduate,” says Romer.

“But I’m a broke college student already in credit card debt,” you might protest. “I don’t have money to invest.” Romer says just $25 to $50 a month will do to start. “Commit to learning how to invest because of the power of time and the power of compound interest,” he says. Romer adds that another benefit of college students investing while they’re still earning a college education is how it actually changes your spending behavior in other areas of your life.

“Once college students see that their money is beginning to work for them they might look at how they’re spending money on things like clothing. They might say, ‘Maybe I don’t need that $80 pair of shoes.’ They look at their account and see it’s growing and want to be able to add more to it.”

Maria Pascucci is the President of Campus Calm – the award-winning website for today’s stressed-out students, parents and educators. Download your Stress-Less Kit with 4 FREE gifts at (http://www.campuscalm.com).

As autumn and cold crawl their way into Canada and the sun sets before 4 p.m., this darkness and quietness bring along a time of reflection for all of us. The assessment I want to share with you is about internet marketing. Although my list of things to do seams never-ending, I am very happy to realize all I have accomplished in less than a year ( over 40 active web sites, a hypnosis for childbirth program that already got international recognition, over 100 published articles on the net, etc)

I have been in internet marketing for a little less than a year and I have attended ten internet marketing seminars in 2006. I am the kind of person who likes to get to the bottom of things. I want to share my findings with people who are starting, thinking of starting or even stalling in the internet marketing business.

The ten biggest pieces of wisdom I want to share with you about internet marketing I have learned are:

1)The price of Internet Marketing products is highly exaggerated. Many marketers are comfortable taking hundreds of dollars for useless e-books or software. They are able to overcharge such big money for two main reasons: their customers believe their well-written sales letter promising them to become a millionaire by working only two hours per day. The second reason is that since other people have raised the bar before them, they feel comfortable with overcharging for their products.

I encourage everyone who is about to purchase any internet marketing product to take a deep breath, back up and do an internet search. Most probably, the product or its equivalent is already available for a fraction of the price on the internet.

My opinion is that no e-book is worth that much unless it provides me with the code of the safe at the bank for this internet marketer.

2)In the internet marketing business there are dreamers and there are doers. I have repeatedly met some people at internet marketing seminars who have not taken action and just keep buying the next product promising them a fast an effortless income. My experience is that it takes work (but then again I don’t see it as work as I enjoy it very much) at least in the beginning to secure a decent income in the internet marketing business.

3)Many internet marketers made their fortunes by selling products to people who want to make a fortune in the internet marketing business. Willie Crawford draws the parallel that the people who got the richest during the gold rush were the ones selling shovels and sticks to the gold diggers.

Anyone interested in internet marketing has to ask themselves if they have just been enriching the people selling them promises to make millions in the internet business.

4)There are basically three categories of internet marketers out there: the ones who just want your money, the ones who give you a good deal for your money and the ones that genuinely care about helping you making good money by sharing their efficient tactics.

I will, of course, not name any names here and I think that deep deep down people know what kind of marketers they are. I can tell you that upon trying to do a mental list of the genuine, caring ones, I had enough of my ten fingers to do the complete list.

5)The real successful internet marketers are often not on stage at seminars. I have met some very successful and knowledgeable people by talking to the person sitting next to me at seminars. I highly recommend you get to know the attendees at any given seminar; you will be surprised to sometimes find out that they know more than the speaker upfront and wiling to share everything with you…for free.

6)A masterminding group is a great resource to learn and share tricks and tips about internet marketing. The rule is to be part of a group that is about (or even better, a little above) your level of knowledge and accomplishments in internet marketing.

7)Action is power. Whatever piece of gold nugget you learn is useless if you do not take action on it. Many people are eternal course takers but have yet to get their first web site up. Even the best intended internet marketer will not make a penny if he doesn’t get his product out there. I have heard numerous times the advice to put out your product and fix the fine details later. It has been a little challenging for a perfectionist like me but, honestly, it works great. Often, customer comments allow me to go back and improve my product in ways that I would have never thought of.

8)Internet marketing is a number’s game. If you put all your eggs in one basket, you might rise very fast very high and then tumble down as fast. Diversity is the foundation for a solid business.

9)There will always be new things to learn. One cannot stay in their basement and hope that the world will not change. The internet marketing world is one that changes at the speed of light and one has to keep informed of the new trends and developments.

10)The Internet is here to stay. Internet has been growing at an astonishing rate and those who got in the game will be ahead of the pack in this exciting and powerful window to the world. The possibilities are infinite.

Dr Nathalie Fiset is a family doctor and a certified hypnotherapist. For more information go to: www.joinmeatthetop.com www.aperfectharmony.com or www.drnathaliefiset.com