This will hit college students hard.

The US’s middle classes are drenched in debt and demand is slowing. So how do banks build profits? By bending the rules. Two of the top credit analytics companies are exploring new ways of assessing consumers’ ability to handle loans . . . .

Source: Being ‘wasted’ on Facebook may damage your credit score – FT.com

I have this urge to type “wasted” on the Facebook walls of all the people I don’t really like.