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[–] Ara_llamas ago 

"When compared to other generations, millennials are much less likely to have credit card debt. " So they learned something. That is positive.

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[–] 19273631? [S] ago 

So they learned something. That is positive.

When you are living with your parents, don't have car, health, or any other insurance in your name, don't have a loan on any car because your parents hold the note, and the only thing on your credit history is your student loan debt, you don't get offered enough credit to do any damage.