The median credit-card debt is more than $1,000 for college students.  That kind of debt spells trouble since the typical student lives on limited resources.  Here are some basic financial wellness ideas to help you manage debt:

Live within your means.  You need to take responsibility for yourself, but you've got to shut out all that noise that you hear, that you need to have this, that you deserve it.  You deserve to be financially stable and that may mean pulling back on using credit.

Create a budget.  Nobody wants to hear 'budget,' but it's the reality, and it's so very easy to look at what you have and just spend within those parameters.

Get a job and use financial aid for your college expenses not a credit card.  Student loans have single-digit interest rates, flexible repayment plans and tax-deductible interest.

Attack that credit card debt.  If you can't pay it all off, then at least pay more than the minimum payment due.  Even if you could only pay $10 more than the minimum monthly payment, you'll save yourself dozens of years and thousands of dollars in interest because you're chipping away at the principal.

Be credit card savvy.  Read the fine print.  Everything you need to know about fees, rates and grace periods is in that small print—the terms—that's issued with your credit card.  What you don't know can hurt your pocketbook and your credit rating.  Explore an alternate card with a lower interest rate.

If you absolutely need a credit card, use it responsibly.  A low-rate credit card can be useful in some emergency situations.  But you have to realize, a credit card is a loan.