I believe the answer to that question is "credit cards." Why pay now when you can skip class and jet ski your heart out until that first bill is due? Take out a new credit card with no interest for one year...sounds like a plan...
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Hmmmmm. When I taught Planning 10 (horrible course) we had a financial literacy unit which included credit cards. This seems to be counterproductive to what I advised. That being said, super tempting. While I’m at it I’m going to go to Hawaii during non peak times and take a few sick days. 😉