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FHS@AINN C+ TIHPP

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xjy ikc yu fbmhkd taik @jnnidi Abuuikp j xjy bkc xjy bfhnx+

http://www.census.gov/compendia/statab/2012/tables/12s0690.pdfhttp://www.census.gov/compendia/statab/2012/tables/12s0690.pdfhttp://www.census.gov/compendia/statab/2012/tables/12s0690.pdfhttp://nces.ed.gov/fastfacts/display.asp?id=76http://nces.ed.gov/fastfacts/display.asp?id=76http://nces.ed.gov/fastfacts/display.asp?id=76http://nces.ed.gov/fastfacts/display.asp?id=76http://projectonstudentdebt.org/pub_view.php?idx=791http://projectonstudentdebt.org/pub_view.php?idx=791http://projectonstudentdebt.org/pub_view.php?idx=791https://www1.salliemae.com/about/news_info/newsreleases/041309.htmhttps://www1.salliemae.com/about/news_info/newsreleases/041309.htmhttps://www1.salliemae.com/about/news_info/newsreleases/041309.htmhttps://www1.salliemae.com/about/news_info/newsreleases/041309.htmhttp://projectonstudentdebt.org/pub_view.php?idx=791http://nces.ed.gov/fastfacts/display.asp?id=76http://nces.ed.gov/fastfacts/display.asp?id=76http://www.census.gov/compendia/statab/2012/tables/12s0690.pdf

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http://www.sec.gov/investor/pubs/intro529.htmhttp://www.sec.gov/investor/pubs/intro529.htmhttp://www.sec.gov/investor/pubs/intro529.htmhttp://ocwconsortium.org/http://ocwconsortium.org/http://ocwconsortium.org/http://ocwconsortium.org/http://education-portal.com/http://education-portal.com/http://education-portal.com/http://www.academicearth.org/http://www.academicearth.org/http://www.academicearth.org/https://www.coursera.org/https://www.coursera.org/https://www.coursera.org/https://www.coursera.org/http://www.academicearth.org/http://education-portal.com/http://ocwconsortium.org/http://www.sec.gov/investor/pubs/intro529.htm

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Oys tahni bkkybn syhshjk bsip bs `jffykhsx `jnnidip bi. jk b|ibdi. nipp sabk abn sabs j sai

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http://www.nytimes.com/2012/01/22/education/edlife/general-studies-moves-to-the-mainstream.html?_r=2http://www.nytimes.com/2012/01/22/education/edlife/general-studies-moves-to-the-mainstream.html?_r=2http://www.nytimes.com/2012/01/22/education/edlife/general-studies-moves-to-the-mainstream.html?_r=2http://www.google.com/#hl-en&gs_nf=1&gs=%20ericplatt%20from%20the%20margines%20@20to%20th%20mainstream&pq=%20platt%20from%20from%20th%20margins%20to%20the%20maintstream&cp=6&gs_id=5a&xhf=t&q=+eric+platt+from+the+margins+to+the+mainstream&pf=p&sclient=psy-ab&oq=+eric+platt+from+the+margins+to+the+mainstream&aq=f&aql=&gs_l=pbx=1&bav=on.2,or.r%60gc.r_pw.,cf.osb&fp=1e1ee552271ca&biw=1887&bih=968http://www.google.com/#hl-en&gs_nf=1&gs=%20ericplatt%20from%20the%20margines%20@20to%20th%20mainstream&pq=%20platt%20from%20from%20th%20margins%20to%20the%20maintstream&cp=6&gs_id=5a&xhf=t&q=+eric+platt+from+the+margins+to+the+mainstream&pf=p&sclient=psy-ab&oq=+eric+platt+from+the+margins+to+the+mainstream&aq=f&aql=&gs_l=pbx=1&bav=on.2,or.r%60gc.r_pw.,cf.osb&fp=1e1ee552271ca&biw=1887&bih=968http://www.google.com/#hl-en&gs_nf=1&gs=%20ericplatt%20from%20the%20margines%20@20to%20th%20mainstream&pq=%20platt%20from%20from%20th%20margins%20to%20the%20maintstream&cp=6&gs_id=5a&xhf=t&q=+eric+platt+from+the+margins+to+the+mainstream&pf=p&sclient=psy-ab&oq=+eric+platt+from+the+margins+to+the+mainstream&aq=f&aql=&gs_l=pbx=1&bav=on.2,or.r%60gc.r_pw.,cf.osb&fp=1e1ee552271ca&biw=1887&bih=968http://clep.collegeboard.org/http://clep.collegeboard.org/http://clep.collegeboard.org/http://www.collegeboard.com/student/testing/ap/about.htmlhttp://www.collegeboard.com/student/testing/ap/about.htmlhttp://www.collegeboard.com/student/testing/ap/about.htmlhttp://www.collegeboard.com/student/testing/ap/about.htmlhttp://sat.collegeboard.org/about-tests/sat-subject-tests/why-take-the-testhttp://sat.collegeboard.org/about-tests/sat-subject-tests/why-take-the-testhttp://sat.collegeboard.org/about-tests/sat-subject-tests/why-take-the-testhttp://www.learningcounts.org/Pages/Default.aspxhttp://www.learningcounts.org/Pages/Default.aspxhttp://www.learningcounts.org/Pages/Default.aspxhttp://www.learningcounts.org/Pages/Default.aspxhttp://sat.collegeboard.org/about-tests/sat-subject-tests/why-take-the-testhttp://www.collegeboard.com/student/testing/ap/about.htmlhttp://www.collegeboard.com/student/testing/ap/about.htmlhttp://clep.collegeboard.org/http://www.google.com/#hl-en&gs_nf=1&gs=%20ericplatt%20from%20the%20margines%20@20to%20th%20mainstream&pq=%20platt%20from%20from%20th%20margins%20to%20the%20maintstream&cp=6&gs_id=5a&xhf=t&q=+eric+platt+from+the+margins+to+the+mainstream&pf=p&sclient=psy-ab&oq=+eric+platt+from+the+margins+to+the+mainstream&aq=f&aql=&gs_l=pbx=1&bav=on.2,or.r%60gc.r_pw.,cf.osb&fp=1e1ee552271ca&biw=1887&bih=968http://www.nytimes.com/2012/01/22/education/edlife/general-studies-moves-to-the-mainstream.html?_r=2

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sq iniNbps oys kjs nibps. sai dj|ikfiks bnpj uj|hcip bcchshjkbn bpphpsbk`i j ahdai icy`bshjk iquikpi

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Licirbn Uirmhkp Njbkp sabs bi b|bhnboni bs icy`ic hksiips bsip sj psyciksp thsa iq`iushjkbn

lkbk`hbn kiicp+

Chri`s Psblljrc Njbkp sabs fbx oi pyophchwic !taii sai dj|ikfiks `abdip b icy`ic bsi

j hksiips bkc bnpj ubxp sabs sbo tahni xjyi hk p`ajjn( j ykpyophchwic !taii sai dj|ik&

fiks `abdip b ahdai bsi j hksiips sabs oidhkp sj b``yi bp pjjk bp xjy ojjt sai lps

cjnnb(+

Chri`s UNYP Njbkp ljr Drbcybsi bkc Urjlipphjkbn Cidrii Psyciksp. tah`a uj|hci bc|bk`ic&

cidii icy`bshjkbn ykchkd ykci b|jboni sifp bkc jkchshjkp+

Chri`s UNYP Njbkp ljr Ubriksp jl Ciuikciks Psyciksp !pii cilkhshjk aii( taj bi uypyhkd

ykcidbcybsi. dbcybsi j ujipphjkbn cidiip+

Njbk @jkpjnhcbshjk jushjkp j ojjtip sj `jfohki bnn saih inhdhoni icibn psyciks njbkp

hksj b phkdni fjksanx ubxfiks unbk+

Hk`jfi&Obpic _iubxfiks Unbkp j psyciksp taj bi psyddnhkd sj fbmi ikcp fiis+

Uyonh` Pir|h`i Njbk Ljrdh|ikipp !UPNL(ujdbfp j psyciksp taj bi thnnhkd sj tjm ynn&

shfi hk inhdhoni uyonh` pi|h`iinbsic gjop j b fhkhfyf uihjc j shfi+

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ui Ic`j NjDjjdni uh|bsi psyciks njbkp bkc xjynn ujobonx ikc yu thsa pjfisahkd sabs njjmp nhmi sahp7

ajcdiujcdi j nikchkd hkpshsyshjkp. hk`nychkd obkmp bkc lkbk`i jfubkhip !Pbnnhi Fbi bnnp hksj sa

nbssi `bsidjx(+ Xjynn bnpj pii bk bnuabois pjyu j sahc&ubsx ojmip bkc bc|hpjp sabs. j b uh`i

tjync oi abuux sj dyhci xjy sj saipi pbfi obkmp bkc lkbk`i jfubkhip. bkc bnpj xjy bpphps hk sa

buunh`bshjk uj`ipp+ Bkc. fji i`iksnx. b it uii&sj&uii nikchkd phsip bi oi`jfhkd b`sh|i hk sabikb bp tinn+

Saii bi pi|ibn hppyip bppj`hbsic thsa uh|bsi psyciks njbkp+ Sj psbs. hksiips bsip bi sxu

`bnnx ahdai sabk j sai dj|ikfiks bkc psbsi ujdbfp. bkc saixi nhminx sj oi jbshkd bsai sab

lqic. tah`a fibkp sabs saixi `abkdiboni hk b ujsikshbnnx abfyn tbx+ Tabsp fji. sai iip sa

bi jsik `abdic fbmi sahp ojjthkd i|ik fji iquikph|i. tah`a xjynn ibnhwi taik xjy `bn`

nbsi sai bkkybn ui`iksbdi bsi !BU_(+

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nhmi hkpybk`i uifhyfp `bk oi fbci fji bjcboni ox hk`ibphkd sai bfjyks j sai cicy`shon

pj sjj `bk hksiips bsip buuib sj oi fji bjcboni taik ahdai iip bi `abdic yu jks+ Sa

BU_ `bn`ynbshjk ni|inp sabs unbxhkd linc ox fbsaifbsh`bnnx `jfohkhkd bsip bkc iip sj i|ibn sasyi `jps j bnn j xjy bnsikbsh|i lkbk`hkd ujujpbnp+ @jkphci yphkd sahp |ix psbhdasjtb

BU_ bn`ynbsj sabs sai Psi|ikp Hkpshsysi j Si`akjnjdxp abp fbci b|bhnboni jk hsp Iykcb+`jf phsi

BU_p kjsthsapsbkchkd. Hf b`sybnnx fji jk`ikic bojys ajt uh|bsi nikcip bi cibnhkd ths

psyciks ojjtip taj bi iquihik`hkd lkbk`hbn chpsipp+

Tahni sai dj|ikfiks abp ipujkcic thsa hsp Hk`jfi&Obpic _iubxfiks. Njbk Ljdh|ikipp j

Uyonh` Pi|h`i bkc Njbk @jkpjnhcbshjk ujdbfp. sai jknx inhi sai uh|bsi nikcip buuib sj o

thnnhkd sj uj|hci. b``jchkd sj fx psyciksp. hp hk sai jf j psis`aic&jys ubxfiksp j|i b njkdi

uihjc j shfi+ Sahp. cipuhsi sai b`s sabs saipi pbfi uh|bsi nikcip ab|i sai nidhpnbsic hdas sj psbk

pajynci&sj&pajynci thsa sai dj|ikfiks hk obkmyus`x `jys. taii psyciks njbk ciosp bi k

jdh|ik iq`ius taik sai `bpi j ykcyi abcpahu `bk oi fbci !mkjtk bp sai Oykki Sips(+Sai djjc kitp hp sabs bp H thsi sahp abkcojjm. @jkdipp hp `jkphcihkd bcchshjkbn inhi fib

pyip j ojjtip taj bi psyddnhkd thsa sai bfjyks j cios saix|i ykcisbmik. bp tinn bp ths

sai hppyi j chp`abdbohnhsx j icy`bshjk njbkp hk obkmyus`x `jys+

Ykshn saik. H oinhi|i xjy oips ois tjync oi sj psii `nib j uh|bsi icy`bshjk njbkp yknipp xjy|

iqabypsic bnn jsai jushjkp ykci sai |bhjyp icibn bkc psbsi&pujkpjic ujdbfp. bp tinn bp sa

uyonh` bkc uh|bsi dbks bkc p`ajnbpahu juujsykhship sabs fbx oi b|bhnboni+

pidi j @jjnnd ai uj`iH|i pbhc hs oiji. oys hs oibp iuibshkd7

Icy`bshjk Njbkp

hk tabsi|i jfp saix fbx sbmi

pajync oi pjfisahkd sabs xjy pjn|i j bsi sabk b pjnyshjk sabs xjy cibyns sj oiji pryiiwhkd i|ix nbps uikkx jys j i|ix ujpphoni pjy`

Pj. taik hs `jfip sj ojjthkd fjkix j `jnnidi. `jkphci saipi l|i pyddipshjkp7

http://www.google.com/search?client=opera&rls=en&q=private+student+loans&sourceid=opera&ie=utf-8&oe=utf-8&channel=suggesthttp://www.google.com/search?client=opera&rls=en&q=private+student+loans&sourceid=opera&ie=utf-8&oe=utf-8&channel=suggesthttp://www.google.com/search?client=opera&rls=en&q=private+student+loans&sourceid=opera&ie=utf-8&oe=utf-8&channel=suggesthttp://www.efunda.com/formulae/finance/apr_solver.cfmhttp://www.efunda.com/formulae/finance/apr_solver.cfmhttp://www.bankruptcylawnetwork.com/what-is-the-brunner-test-for-dischargeability-of-student-loans/http://www.bankruptcylawnetwork.com/what-is-the-brunner-test-for-dischargeability-of-student-loans/http://www.bankruptcylawnetwork.com/what-is-the-brunner-test-for-dischargeability-of-student-loans/http://www.bankruptcylawnetwork.com/what-is-the-brunner-test-for-dischargeability-of-student-loans/http://www.bankruptcylawnetwork.com/what-is-the-brunner-test-for-dischargeability-of-student-loans/http://www.efunda.com/formulae/finance/apr_solver.cfmhttp://www.google.com/search?client=opera&rls=en&q=private+student+loans&sourceid=opera&ie=utf-8&oe=utf-8&channel=suggest

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TII hk" kJT TAbs:Sai `ajh`i abp oiik fbci. sai p`aicynip oiik pis. bkc sai pyuunhip bi bnn ojydas+ Hsp shfi sj ci

thsa sai kysp bkc ojnsp j nh|hkd btbx jf ajfi+

Ocdi c @a FdifiH `jyncks hfbdhki aibchkd j sj `jnnidi thsajys mkjthkd ajt fy`a fjkix H abc hk sai obkm. sacjnnbp H `jync `jyks jk jf ajfi ib`a fjksa bkc sai `bpa Hc kiic sj ibk jk sai phci sj fbmi

bnn tjm+

Sahp hp tabs oycdishkd hp bnn bojyshkjtp fhkyp jysjtpbkc hsnn tjm pj njkd bp xjy oy

disp sb`mic. i|bnybsic bkc bcgypsic taik sahkdp `abkdi+ Jknhki sjjnp py`a bp sajpi jfFhks+`j

bkc UbxSyps+`jf `bk ainu+

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shjkp. ykiqui`sic i|iksphsp oiik fx iquihik`i sabs fy`a j hs psifp jf ujj `bpa fbkbd

fiks+ Pj aii bi jy djjc tbxp sj ainu xjy sj psbx jk sbdis7

i`jc iix `j+ Taik bpmic. fjps j fx psyciksp !bkc b djjc ujshjk j saih ubiksp( oinhi|i sabs bp njkd bp saix jyshkinx fjkhsj saih obkm obnbk`ip jknhki. saixi djjc sj d

Kjs ryhsi+ Tabs xjy pii jk xjy p`iik hp kjsahkd fji sabk tabs xjy obkm abp obs`a uj`ippi

sajyda b ubsh`ynb ujhks hk shfi+ Tabs bojys sai `ai`mp sabs tii fbhnic stj cbxp bdj: Sai jk

nhki uy`abpi sabs tbp ubhc j thsa b ciohs `bc sabs abpks xis oiik `abdic: Sai `ai`m ciujpsabs abpks `nibic: Sai kjk&obkm BSF thsacbtbn sabs hk`yic bk bcchshjkbn ii:

Hs cjipks pj fy`a fbssi ajt xjy fbkbdi xjy obnbk`ip|hb jnc&bpahjkic `ai`m idhpsi

`jfuysi puibcpaiis. j thsa sai Fhks j UbxSyps sjjnppj njkd bp xjyi bhsaynnx i`jchkd i|

ix sbkpb`shjk sabs abp bk hfub`s jk xjy b``jyksp+

Nf ai bsF + Taik bpmic. fjps j fx psyciksp pbx sabs saix cj bs nibps stj BSF ykib`a tiim+ H ykcipsbkc saih jk`ik bojys bxhkd sjj fy`a iqsb bpa. oys saii bi saii djj

ibpjkp tax iq`ipph|i BSF ypi bk oi abfyn sj xjy lkbk`hbn aibnsa+

Lhrps. fynshuni thsacbtbnp `bk `bypi xjy sj njpi sb`m j xjy b``jyks obnbk`i. tah`a `bk

ipyns hk j|icbs iip+Pi`jkc. iuibsic thsacbtbnp `bk bnpj `bypi xjy sj onjt xjy oycdis. ipui`hbnnx h sai `bpa

hp oihkd ypic j bk iquikpi sabs bnnp jysphci sai ubbfisip xjy|i ipsbonhpaic+

Sahrc. h bnn xjyi cjhkd hp uynnhkd jys #?5 bs b shfi. saiip b `abk`i sabs xjynn lkc xjypin

pajs thsa kj jsai `ajh`i oys sj ypi bkjsai obkmp BSF sabs `abdip b ii j sai uh|hnidi+

Oiti j cio `c+ Gyps bojys i|ix jki j fx psyciksp ypip b ciohs `bc. bkc saixi bpyuhpic taik H sinn saif bojys sai `jpsp bkc hpmp7

Sj psbrs. taik b ciohs `bc hp ypic bs b dbp uyfu. sai fb`ahki cjipks mkjt h xjyi lnnhkd yu

b Abnix j bk _\+ Hs bnpj cjipks mkjt h xjy ab|i ikjyda fjkix hk xjy b``jyks sj `j|i sai uy

_i`jrc i|irx srbkpb`shjk+

Nhfhs sai BSF |hphsp+

Oitbri jl ciohs brcp+

\irhlx xjyr psbsifiksp+

https://www.mint.com/t/011-b/https://www.mint.com/t/011-b/http://paytrust.intuit.com/index.jsphttp://paytrust.intuit.com/index.jsphttp://paytrust.intuit.com/index.jsphttp://paytrust.intuit.com/index.jsphttps://www.mint.com/t/011-b/

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`abpi+ Pj hs ipjn|ip sahp yk`isbhksx ox bbkdhkd j bk b``jyks ajnc+ Taik xjy pthui xjy cio

`bc bs sai uyfu. b #255 !j dibsi( ipi|i hp hffichbsinx pis yu bdbhkps xjy `ai`mhkd b``jyks

Bkc tahni xjy sahkm sabsp JM oi`bypi xjynn oi lkhpaic uyfuhkd hk b it fhkysip. tabs h H tii

sj sinn xjy sabs ajnc fbx kjs oi i`jk`hnic thsa sai b`sybn bfjyks j xjy uy`abpi ykshn uiabup

b cbx nbsi: H xjy b``jyks obnbk`i hp sahk. sabs #255 fbx `bypi pjfi j xjy jsai ubxfiksp sj

ojyk`i. ipynshkd hk j|icbs iip+ Sai pbfi hp syi j ciohs `bc ypi bs ajsinp. taii sai b``jyk

ajnc hp jsik ahdai+

Pi`jkc. uy`abpip fbci thsa ciohs `bcp bi kjs `j|iic ykci saiLbh @ichs Ohnnhkd B`s.

tah`a fibkp sabs yknhmi `ichs `bcp !tah`a bi ujsi`sic ykci sahp nbt(. ciohs `bc ohnnhkd i&

jp bkc fi`abkchpi isykp thnn kiic sj oi ipjn|ic oistiik sai bcajnci bkc sai fi`abk

bsi sai fjkix abp bnibcx oiik cbsic jf sai b``jyks+ Sahp nb`m j `abdiob`m hdasp. bp saix

bi mkjtk. hpks jknx b ubhk hk sai ki`m. hsp bnpj b tab`m sj sai tbnnis"

Sahrc. tahni sai Ini`sjkh` Lykcp Sbkpi B`s ujsi`sp bdbhkps BSF bkc ciohs `bc byc.

tabs fjps uijuni cjks ibnhwi hp sabs sai obkm hpks djhkd sj ipsji b `jfujfhpic b``jyks ykshn

bsi hs abp pbshplic hspin sabs sai b``jyks ajnci tbpks sai jki taj uiuisbsic sai `hfi+ Sahp

`bk nibc sj pihjyp `bpa jt ujonifp bkc bcchshjkbn `abdip taik sai ubxfiksp sabs tii ui|

jypnx bysajhwic oidhk sj ojyk`i+

Sai pjnyshjk: Ypi b ichs bc+ Sabsp hdasb ichs bc+ Gyps oi pyi kjs sj abdi fji sab

xjyi boni sj ubx j ib`a fjksa+

|ix xj ifi+Sai obkmp bkc `ichs `bc `jfubkhip dikibsi fjksanx psbsifiksp jb ibpjkpj sabs xjy `bk `jklf saih b``yb`x+ Bsi bnn. fhpsbmip abuuik+ Pj cjip hcikshsx sai

@ai`mhkd xjy fjksanx psbsifiksp bk ainu xjy sj ji`s sai lps bkc dybc bdbhkps sai pi`jkc+

b`d. Fdd c uji`d @ic@jfhkd jf sai nikchkd phci j sai lkbk`hbn pi|h`ip hkcypsx. H bk sinn xjy sabs yknipp xjy dis sa

ubs hdas. hs cjipks fy`a fbssi tabs xjy fbx ab|i hk sai obkm j ajt bhsayn xjy bi sj xjyoycdis. oi`bypi hsnn bnn oi unb`ic bs hpm+

H bnpj oinhi|i sabs saiip kj oissi j fji hfujsbks shfi sj sbnm bojys sai ykcbfiksbnp

b`ryhhkd. fbkbdhkd bkc ujsi`shkd `ichssabk taik xjyi fbmhkd xjy unbkp sj aibc sj `jnnid

Sabsp oi`bypi sahp hp sai shfi taik xjyi djhkd sj oi bpmic sj fbmi lkbk`hbn ci`hphjkp sabs `b

ab|i pihjyp i`jkjfh` `jkpiryik`ip nbsi jk+

b@ryhhkD @IChsFjps psyciksp kiic saii sxuip j lkbk`hbn ujcy`sp taik saix psbs p`ajjn7 `ai`mhkd b``jyks

icy`bshjk njbkp bkc `ichs `bcp !bp H pbhc oiji. Hf kjs b bk j ciohs `bcp(+ Bkc tahni sai nik

hkd hkpshsyshjkp fbmi hs inbsh|inx ibpx sj bssbhk sai lps stj. sai @ichs @B_C B`s j ?558 abp oii

b ibn mhnngjx j sai nbps+

Sai b`s hfujpip phdkhl`bks nhfhsbshjkp jk sai fbmishkd j `ichs `bcp sj ykcibdi !sabs h

ykci ?2 xibp jnc( `jkpyfip. taj bi kjt iryhic sj uj|i sabs saix ab|i sai lkbk`hbn taii

thsabn sj fbmi sai ubxfiksp j `jfi yu thsa bk jnci `jphdki taj `bk+ Oys bp xjy fhdas iqui`

sai bi`sic ubship ab|i oiik oypx sxhkd sj ldyi jys sai tjmbjykcp+

Nisp sbmi sai lkbk`hbn fibkp sips lps+ H|i aibc psjhip bojys psyciksp nhpshkd sai |bnyip j sai

bkkybn psyciks njbk b|bhnbohnhsx bp hk`jfi+ Bsi bnn. sai fjkixp saii j saif sj ypi. pj hsp mhk

j. nhmi. b pbnbx. hdas: Tjkd+ H `bks hfbdhki ajt b `bc hppyi tjyncks uh`m yu jk sahp. oys gyps b

ciphi jsik syfup ibpjk. hsp ujpphoni+

http://ftc.gov/bcp/edu/pubs/consumer/credit/cre16.shtmhttp://ftc.gov/bcp/edu/pubs/consumer/credit/cre16.shtmhttp://ftc.gov/bcp/edu/pubs/consumer/credit/cre16.shtmhttp://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre14.shtmhttp://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre14.shtmhttp://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre14.shtmhttp://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre14.shtmhttp://www.federalreserve.gov/consumerinfo/wyntk_creditcardrules.htmhttp://www.federalreserve.gov/consumerinfo/wyntk_creditcardrules.htmhttp://www.federalreserve.gov/consumerinfo/wyntk_creditcardrules.htmhttp://www.federalreserve.gov/consumerinfo/wyntk_creditcardrules.htmhttp://www.federalreserve.gov/consumerinfo/wyntk_creditcardrules.htmhttp://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre14.shtmhttp://ftc.gov/bcp/edu/pubs/consumer/credit/cre16.shtm