Many students are not educated on credit card use, managing spending and debt. What tips do you have for new credit card holders or parents looking to teach their students how to properly use a credit card?

Student credit cards are great tools for your everyday spending while you are enrolled in school. It allows you payment flexibility, the ability to earn cash back rewards and build your credit score early into adulthood. However, make sure not to spend more than you can afford, as the interest penalties can quickly grow.

But if you can manage your spending responsibly and avoid interest charges, the benefits of using a student credit card can be outstanding.

Robyn Young offers expert advice for students (and parents) seeking a student credit card. Robyn, who founded Money Care, LLC in 2005, has spent the last 16 years working as a daily money manager. She currently serves as vice president of the American Association of Daily Money Managers. 

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