About Loans

In Extra Credit: The 7 things every college student needs to know about credit, debt & ca$h. You’ll learn how credit card companies “trick” you into playing their game by their rules and why it’s not your fault that you can’t beat them… at least until now. Extra Credit is the book that every college student and high school senior should be armed with as they are about to be assaulted by 50 credit card solicitations each semester. Extra Credit should be a mandatory book for all incoming freshman. You will be able to get your first credit card and use your debit card on your own, but nobody taught you how to use them, when to use them, how to balance your account, or how to tell if you are getting ripped off. You’ll discover everything that credit card companies don’t want you to know and more!
- What’s the difference between a credit card and debit card?
- What are the top 10 tricks used by credit card companies?
- How do credit card companies market to college students?
- How do I know when to use a credit card, when to use my debit card or when to use cash?
- How do I get out of debt?
- and much, much more…

Bill Pratt is the author of several books on personal finance including Extra Credit: The 7 things every college student needs to know about credit, debt & ca$h, The Graduate’s Guide to Life and Money and Money Made Simple: A Complete Financial Workbook. His books are written to help students and young adults improve their finances and their lives.
Bill is a former economist for the U.S. federal government and a former Vice President for one of the largest financial institutions in the world. He holds an MBA in finance. He left the financial industry to focus his efforts on helping others understand money.
Bill is the President of Pratt Financial Group and Bill Pratt Seminars. He speaks professionally, focusing primarily on colleges and high schools. He also coaches college students and recent graduates on topics from money to careers. His goal is to help students wade through the endless financial and life decisions they will encounter. By making the best decisions with the right attitude, Bill believes that people will accumulate more wealth faster and will then be able to use that wealth to improve the lives of those around them.