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It is always a good idea to invest in education. A college diploma opens up a lot of opportunities, but you have to know how to take advantage of them. Since you have spent most of your life in a safe environment (family, school), the real world may shock you. From now on you are responsible for all your actions and every mistake will cost you. It is important to learn how to be financially responsible, because the loans that you take when you are young will haunt you forever!
Save now, party later!
After graduation it’s time to get a job! Few have the luck of finding a job in their field that pays well in the first year. Chances are that you will work for some time on a low or medium paid job. But since you have been broke through college, the paycheck will seem like a fountain of wealth and you will be tempted to spend the money on unnecessary expenses. Although having a beer from time to time with your friends is OK, spending your entire monthly salary is not! You should try to save as little as you can.
Stay away from debt!
Unfortunately, very few finish college without any debt. College loans are the main cause graduates are in debt. Keeping debt under control is a must! Use a part of your paycheck to clear you debt little by little.
Credit card debt is a never-ending cycle and you should only borrow if you really need to buy something. Piling up interest rates just so that you can have nice things is not recommended.
Of course borrowing money is not all bad! Loans which you invest into something profitable are good because they return the investment and a profit! Don’t take loans to spend on fancy things. Instead, borrow and invest!