For many students, credit cards aren’t just convenient, they’re a means to pay for necessities when other resources fall short. Using data from the 2025 Student Financial Wellness Survey (SFWS), this brief examines trends in credit card use, repayment behaviors, and revolving debt among postsecondary students. Findings show that students who rely on credit cards for basic needs, especially those carrying unpaid balances, often experience greater financial strain and academic disruption, underscoring the need for affordable financing alternatives and accessible campus supports.
