Money Talks

In the article “Money Talks” the writer Tracey Robinson English explains how college students acquire debt, penalties, bad credit, and finical ruins before their graduation from the use of credit cards, student loans, and poor money management skills. Where college students with no knowledge money management and no financial responsibility unknowingly sign up for numerous credit cards with no limit spending from credit card companies , whom prey on them knowing that they have no idea about the debt they have put themselves into without their money wise parents over their shoulder advising on what and what not to do when it come to money and credit card. But not only do the acquire debt from credit cards but also from having to many student loans in where they use to pay for their costly college education. Therefore the responsible choice for college students to avoid debt, do not sign up for credit cards you cannot afford to pay back on time, pay back student loans in payment in double or triple the amount to avoid having to pay student loan fees for many years and finally college student must learn how to manage their monthly income on how much to spend and save each month to insure financial stability.
The writer’s purpose is to inform, persuade, educate and to warn college students in the article “Money Talks” about the consequences about their poor money management and spending. Where the writer warns and informs college students negative outcome credit cards and poor money management and to many student loans which will lead to finical debt for years. The writer then further tries to persuade college students to not sign up for credit cards but encourage them to learn how to manage their monthly income to generate a savings and budget plan, persuade parents to sit down and talk to their teenagers about the responsibility of money and money management.
The writers tones in this article are informative, persuasive, and educating. Where the writer informs