I recently got the following question from one of my readers:

Dear The Man,

I’m a broke ass college student. And by broke I mean not only don’t I have any money, but I’ve probably already spent about 2 years worth of my expected salary after graduation. And that’s if I DON”T go to grad school!

What should I do?

Your fan,
Broke Dope

Well Brokemeister, don’t worry. Lots of people incur mountains of debt while attending school. Some of them even actually do it on tuition and books! But regardless of what you’ve blown it on, there are solutions for student consolidation of debt.
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I don’t know why Citi doesn’t make a bigger deal about publicizing this feature of their credit cards, but they actually have an excellent security option which helps protect customers making online purchases. They mention it only in one paragraph here.

If you have a Citibank credit card, you can use the Virtual Account Number feature to generate temporary “alias” numbers to give out in place of your actual number. Why would you want to do that? Well, there are lots of reasons… read on and I’ll give you a few.