Well what I meant was that I paid off my living expenses myself -- food, rent, etc. never carried a balance =)

But as I admit I had decent help with pure education expenses, tuition, tests (tho i had to pay grad school apps myself) Now I'm just lucky my grad school pays me.

I think no one stops and realize what a credit card is. It's a loan. With terrible terms. I mean, close to 20% loans brrr. I think they should be renamed debt cards and debit cards renamed credit cards lol... and I love how credit is used instead of debt =)