College of Liberal Arts sophomore Nikki Hinke feels fortunate that her credit card debts have not led to other problems in her life. "It (a credit card) was so easy to use," Hinke said. "It's not like...

Sheila Wellstone never had any interest in public speaking. "I never would have thought I would be able to stand up and talk in front of people. I remember when Paul was running I would be asked to introduce...