What Students are Saying

• I recently saw a report on your program on Tampa Bay News Channel 8. As a former college student who found myself in $10,000 in debt I think that your program is phenomenal. I wish that I had been exposed to the traps of credit cards before having to learn the hard way. Unfortunately this debt caused me to drop out of school and almost 5 years later I am just barely returning to school. I am glad to see that you have also formed a group that involves Fraternities & Sororities. As a member of a sorority myself I know what a great forum that provides for information on topics such as this. I was also surprised to see after viewing your website that you have visited my old campus.
  
  I really just wanted to send an email letting you know what a wonderful organization you have created. These are the fundamentals that our high school and college students need to learn!!! Great job!
  
  Sincerely,
  Felina



• "I believe what Judge Ninfo is doing is a great thing and that he is genuinely concerned with the futures of the students he meets."
  
  Loren Peterson
  11th grade business student at Hornell High School (New York)



• "I think Judge Ninfo really opened up everybody's eyes to the reality of credit. It seems like what we thought we knew about credit going into the presentation was all misleading information that we just got from ads and the Internet. I think he influenced everyone's future decisions about credit."
  
  Allison Crowley
  12th grade student at Hornell High School (New York)



• "I wish I had access to the information when I was in high school. After the presentation, I paid off two credit cards and cancelled three others. Now if I don't have money to pay cash for an item, I don't buy it."
  
  Shelly Palmer
  Monroe Community College



• After a CARE Program presentation, students at Nazareth College of Rochester were asked to provide their Freshman Seminar Professor, Michael McGwin, Associate Director of Admissions, with a journal entry as to how they would get through four years of college without going broke. Some of the excerpts from their entries include:
  • Not eating out too much, and using the dining hall more often
  • Not partying too much
  • Working on campus and at home on breaks
  • Keeping grades up so I can maintain scholarships
  • Take advantage of school sponsored entertainment
  • Plan ahead for future expenses
  • Buying used books instead of new