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<<Ah, college students that are making car payments. The conversation with my students usually goes as follows, "You need to spend more time studying." They reply, "But I have to work." Me: "Well, then you need to cut back on your work hours." Them: "But I have to pay for my car." Of course these students are typically driving nicer cars than I am, >>

Living in NYC, my students don't have cars, but they do pay several hundred a month for charges on their CELL PHONES!!!

Greta
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