Think back to your years at college. It’s likely a time in your life that was rife with firsts. The first time you lived on your own. The first time that you, alone, were responsible for managing your time. Maybe the first time you heard a certain musical artist, or tasted a gin and tonic or maybe even the first time you fell in love — for real.

And while today’s college freshmen can look forward to many of those same heady experiences, there are a few other firsts that they will likely face of a less romantic nature.

Their first credit card. And their first loan. 

With September barreling toward us and thousands of students poised to matriculate, we thought we’d enlist our personal finance expert Sheryl Marshal to get students — and parents — prepared for the financial side of freshman year.

Sheryl Marshall, financial consultant 

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