When Polonius in Shakespeare's play "Hamlet" said, "Neither a borrower nor a lender be," he was a fortunate man.
He did not have a student loan, a revolving credit debt, a car loan, a home-equity loan or a mortgage.
In today's society, young people are weaned early onto credit dependency:
Credit card issuers can snare them before high school graduation, stepping up pressure at college orientation. Issuers bet that mom and dad will step in if the student falls too far in the hole.
