Logan, woman to fictional girl, I think this better be your last potentially romantic date with your good pal Malcolm.
I mean, I guess he’s tall. And next to cowlick Connor and certified Michelin Manlet Bernie, he’s okay looking. Yeah, he’s got a receding hairline, but what fresh-faced Westview teen doesn’t have one? I mean just look the crowd at that graduation party you went to!
But girl. I’m seeing some SERIOUS red flags. You better put him right back in the friendzone.
I know from my work at the gas station, that a lot of the young high schoolers these days have debit cards. All well and good. But a credit card?
I remember the day my mom handed me a credit card with my own name on it. She said it was linked to her account. She said she would be able to see everything I bought. She said it was only for emergencies. Like if I was stranded in a blizzard and needed a hotel. (Many of my mom’s worst case scenarios involve blizzards. It’s also why she refuses to get rid of the compressed bale of old blankets wedged in her linen closet.) She gave me one of those serious mom stares. I felt like I was walking around with the nuclear football tucked into my nylon wallet.
But Malcolm tells us that this is HIS credit card. I guess that means Malcolm is 18, and has an independent source of income. Which would seem like points his in favor. But then he says he must have maxed it out and didn’t realize it? And so Logan has to pay for the latest rehashed Marvel product?
I don’t have a smart phone. My phone has a calculator, and always knows what time it is, so it’s already smarter than me. I had a smart phone for about six month, before I ruined it jumping into a pond to fish out a newborn calf. Now I’m playing a game of chicken with a 10 year old diet-blackberry Samsung to see which quits first, the phone or the entire 3G Network. (Looks like the phone will win.)
But I have seen the wizardry available with the internet in the palm of your hand. I’ve seen people at the checkout have a card decline, pull out their phone and pay it off, or transfer money from one account to another, in minutes. I’ve seen people glancing at their phones and checking their balance before telling me exactly how much in sticky quarters they’re going to give me to pay for their pack of Camels so they can run the rest on their cards.
Meaning, any tech literate young zoomer is going to be able to pay down the balance on their credit card with their phone on the spot.
Meaning, Malcolm not only has maxed out his credit card, he lacks the funds in his bank account to pay it down. And he didn’t think to check on this before his very special date with Logan? A date where he only brought his credit card? He’s already in debt, but was going to tack interest charges onto a date?
And I know most starting out credit cards have pretty low credit lines, but still $1000, $500?
Then he looks Logan in the eye, face both tired and pained, and tells her that this is nothing…barely peanuts…to the crippling debt he’s planning to inflict on himself. Malcolm already has a solid figure in his mind, so much so that he already counts that debt as HIS before he’s sat through a single lecture. Tens of thousands of dollars, maybe hundreds of thousands, more money than most people make in a decade, are already hanging over his head, future promise bucks handed from lender to unnamed college in his name. For what?
Why is he going to a college expensive enough to drain the light from his eyes? What are his plans? Does he have a career path that requires a degree? Because he isn’t being bankrolled by scripture sales from the Cult of Dead St. Lisa. He doesn’t have an Endless Summer to spend puttering around a university changing his major from one useless certificate to another.
College can be a rewarding place to learn, to find yourself, to make new friends, to fall in love, and have exciting experiences. So can summer camp. You do not go 40 grand in debt for summer camp. You go 40 grand in debt because you have a clear goal that necessitates that sacrifice.
Come on, Logan! Surely with your ABC News boosted business blog, you should be able to talk him out of the biggest and most expensive mistake an aimless young graduate can make:
A four year, $200,000, liberal arts degree.