Student debt has grown to $1.3 trillion nationally in the U.S., according to the Center for Microeconomic Data. Seven in 10 seniors (68 percent) who graduated from public and nonprofit colleges in 2015 had student loan debt. Each averaged $30,100, according to the Institute for College Access and Success. But one-third of college graduates leave school…

Because of the college tuition debt they have shouldered, many Millennials are wary of credit card debt. Fewer than a third of Millennials — anyone between age 18 and 35 — have a credit card. That’s a record low percentage, according to recent statistics. Stefanie O’Connell, who graduated from New York University with a degree…