During any graduation ceremony, some college students are not shy about expressing themselves by embossing an amusing quote on their four-cornered caps. On the cap of a grad at Boston's Northeastern University, for example, the quote read: "I am in so much debt. Please help." Next to the quote was a Venmo QR code.

Nearly 60% of 2022 college grads, according to Bankrate, will be responsible for repaying college loans as well as fulfilling other financial needs as they build their careers and lives.

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