Few Freshmen Have Seen Their Credit Reports, Company Says

College students pay their bills! They value a good credit history and balance their checkbooks!

The news comes from a study conducted by ... Citibank, the world's largest issuer of credit cards.

"The data we took away from the study was encouraging," said Gina Doynow, the company's manager of college credit business. "Most college students are paying their bills with their own money. Two-thirds are balancing their checkbooks."

However, the news wasn't all good. The

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