Amy Kline

Amy Kline, branch manager of the campus credit union Day-Air, agreed.

"I think students will find it more of a challenge," she said.
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Sophomore Courtney Heinekamp is taking the advice that Neace and Kline encourage.
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When students like Heinekamp are ready, Kline said it is essential that they understand the account agreement they are signing. This includes the terms, billing cycle and interest rate. She also said students should establish a good relationship with a financial institution like a credit union, who can teach how to properly use and understand credit.

"Don't be afraid to ask questions," Kline said. "Hold off on signing if answers are not available for you."

Students are welcome to visit the on-campus Day-Air, connected to Marianist Hall, for more information on any agreement from a financial institution before signing, Kline said.