Recently, more and more students have started to take up (1) ... full-time paid work while they are still studying. This means that some of them end up actually leaving their degree courses because they see the advantages of having (2) ... stable income and feel that this is more useful than getting a degree. Earning a reasonable wage means that they are able to begin to pay (3) ... the debts they have run (4) ... while they were at college or university. Why do they have these debts? Sometimes it is because they are not good (5) ... managing their money and overspend (6) ... entertainment and clothes. Sometimes it is not their fault. Banks are keen to offer students credit cards and it is very easy to build up a big overdraft. And it is almost impossible (7) ... students to cover all the costs of (8) ... accommodation and other necessary expenses.