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Does your college student understand how credit works? Here are a few tips to share
with your child.
Nashville, Ark. – Parents who have sent their child off to college for the first time
this year are just now realizing the cost of paying for that college education. Hopefully,
you have prepared for the cost of tuition, books, room and board and the numerous
other necessities you will incur during the next few years. However, you may have
overlooked a very important aspect of transitioning your child from childhood to adulthood
– an understanding of how credit works.
The first step in managing personal finances is to master the basic checking/debit
account. Here are a few tips to share with your child.
Now, what about credit cards? A good way to build good credit is to demonstrate
responsible credit card use. People under the age of 21 cannot open a credit card
account on their own without a parent cosigning unless they can prove they have sufficient
income to repay the debt. So how can a parent help their child establish good credit?
Here are a couple of options:
Some young adults just aren’t ready to handle the financial responsibilities
of using a credit card. You, as the parent, can determine when they may be ready.
To help your child get ready for credit, you might consider trying this:
Establishing good credit is important. At some time in the near future,
your child will begin making major purchases such as a car, a house payment, etc.
Help them now to prepare for future financial decisions.
For more information on credit or budgeting, contact the Howard County
Extension Service at 870-845-7517 or visit our office located on the second floor
of the courthouse. The Cooperative Extension Service is part of the University of
Arkansas Division of Agriculture.
Need a quick after school snack for hungry students? Individual pizzas
are a great choice. Students can make them themselves. Let them choose the toppings
they prefer. Great snack or meal idea for college or Kindergarten students.
4 slices whole-wheat bread or 2 English muffins, halved
½ cup low-sodium spaghetti sauce
½ cup pineapple tidbits in own juice, drained
½ cup lean diced ham
¼ cup reduced-fat mozzarella cheese, shredded
Toast bread or muffin until very lightly browned. Preheat oven to 350⁰F.
Place toasted bread or muffin on a baking sheet.
Spread ½ of the spaghetti sauce onto each slice of bread or muffin half.
Place ½ of the pineapple tidbits and ½ of the diced ham on top of the spaghetti sauce.
Sprinkle 2 tablespoons of cheese on top of pineapple. Bake at 350 degrees for 4-6
minutes or until cheese melts and bread or muffins are thoroughly heated.
Nutrition Information Per Serving: 270 calories, 6g fat, 12g Protein, 40g carbohydrate,
9g fiber, 390mg sodium. Excellent source of vitamin C. Good source of calcium and
By Jean Ince County Extension Agent - Staff ChairThe Cooperative Extension ServiceU of A System Division of Agriculture
Media Contact: Jean Ince County Extension Agent - Staff Chair U of A Division of Agriculture Cooperative Extension Service 421 N. Main St, Nashville AR 71852 (870) 845-7517 email@example.com
The Arkansas Cooperative Extension Service is an equal opportunity/equal access/affirmative
action institution. If you require a reasonable accommodation to participate or need
materials in another format, please contact your County Extension office (or other
appropriate office) as soon as possible. Dial 711 for Arkansas Relay. The University of Arkansas System Division of Agriculture offers all its Extension
and Research programs and services without regard to race, color, sex, gender identity,
sexual orientation, national origin, religion, age, disability, marital or veteran
status, genetic information, or any other legally protected status, and is an Affirmative
Action/Equal Opportunity Employer.