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Last year’s grads owe an average of $37,000 in student loans, and four in five say it’s a problem. One of their biggest fears? That borrowing too much money will trash their credit score.

Let’s take a look at how much you could save by planning ahead.

Despite what the Great Recession may have taught you, credit is a pretty useful tool.

If you’re still scrounging for nickels and dimes to fill that old piggy bank or pickle jar for your savings, then it might be time for a change. The OCCU Change Jar savings program is the convenient and easy way to reach your savings goals – no