| Student or parent gets a prepaid card for student's use in college (approval guaranteed). Student or parent adds spending money to the card. | 
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                      Student uses card  
                        to buy food, supplies, pizza, etc., at any merchant that accepts MC/VISA cards.  | 
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                      Student or parent can monitor pre-paid 
                        account electronically 
                        for budgeting purposes. Pre-paid cards can help maintain a spending budget.  | 
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                      | Student or parent  can reload the card with additional monthly spending funds as needed.  | 
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                      Using pre-paid credit cards protects the  
                        student from accumulating credit card debt. | 
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                      Students can use 
                        pre-paid cards to build a credit history for future credit approval on auto loans, employment, 
                        home mortgages, etc.  | 
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