A must for every student. I was notoriously bad at managing my personal finances when a concerned friend gave me a copy of "The Debt Free Graduate". It is impossible to go through this book and not find practical, easy to understand advice and tips that you can actually use. By re-evaluating my finances and using this book as a guideline, I turned myself around and haven’t looked back. In fact, several years later the only debt I owe right now is the one of gratitude to my friend for giving me the book. On many occasions I have given a copy of this book to other people, hoping that they too will find it as beneficial as I did.