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If you learn to manage debt and income responsibly starting before you even enter college, this skill will serve you well for the rest of your life.

You can learn how to live with less and how to separate must-have expenses from nice-to-have ones.

In 2016, 63 percent of 18- to 29-year-olds who had completed a bachelor’s degree borrowed money to finance their education, the Federal Reserve Board found. It’s also no wonder that so many students think the cost is worth it: Young adults ages 25–34 who worked full time, year round, had median earnings of just $30,500 with only a high school degree in 2015, but of $50,000 with a bachelor’s degree.

Another stat you might have heard is that students who graduate from college earn $580,000 more over their careers than students who only graduate from high school.

You’re not imagining it: college has gotten much more expensive over the years.