Write a new topic sentence for the following paragraph.

these students often go from having no or minimal and come to making upwards of $20-$30,000 per year. without education on how to manage their finances many of these young people often make poor decisions, leading them to accrue credit card debt or purchase expensive items--cars, homes, fully planning out how they'll pay for them. many young people don't understand the consequences of those late credit card payments can have, and taking a financed course before graduation would them understand exactly how difficult it is to rebuild a credit score that's been decimated by a foreclosure or bankruptcy ("the effectiveness").