Research Paper outline

Darlington Prince Whyee
English 202
Professor: Sherwood

Research Paper Outline

Factors influencing credit card debt among college students

The issue of credit card debt and its influential factors amongst college students is a rising concern that needs a telescopic attention. We may not be able to address this issue due to some social economic status transcending among many college students, but we could be on the pathway to making progress to irradiate on some of the major factors that causes students to plunge into credit card debt.

Major point I: college students seem to be the primary target for most credit card companies. Against this background, it is essential to look at the credit card industry, and unearth the reason why they target college students for selling their high rate interest credit cards.
A. The credit card companies; how are they successful in selling the plastic card?
· What are the hidden facts?
· What are the advantages and disadvantages of credit cards
· What are the effects and subsequent consequences of a credit card relative to its interest rate?
· How the interest rates of a credit card cause debt

B. A lot of college students carried at least two to three credit cards. How they manage these credit cards is another important point to stress. Are college students wise users of credit cards?
· How do they spend the money from a credit card company?
· Are Students concern about their credit and future
· Are students aware of the consequence of not paying their credit card interest?

C. The issue of High Interest rate is one of the major factor causing student to fall into credit card debt. How is it a determinant factor?
· Is it wrong for credit cards companies to offer students high interest rate credit cards?
· When are students unable to pay the interest on their credit card?
· What are the student attitude towards the credit card companies when face with possible debt?
· What is the role of the institution in respect to this issue?