As college students head back to class, experts say there's more to think about than moving in.
You need to remember your bank account.
"Basically, budget, budget, budget," Cathy Jacobson, with Consumer Credit Counseling Services said.
According to Jacobson, they counsel many students who find themselves in debt by grauduation.
"Using credit cards to live on and using students loans to live on. You've got to have an education, I understand that, but if your'e not thinking ahead to the future you're getting yourself deeper and deeper in debt," Jacobson said.
Jacobson says they even have recent grads who find themselves filing for bankruptcy, but that doesn't have to be you.
John Hunt with Amarillo National Bank says the first step is to write down your income and your fixed expenses, then, take a look at your extra spending.
"Most importantly, be honest with yourself. We don't recommend borrowing money for things that you could simply cut out. This is the time when you go back and review that coffee shop habit or your going out four nights a week," Hunt said.
And he says pay yourself first, try to put a small amount away in savings each month.
So you can graduate with a degree and a few dollars in hand.