Apparently Ohio State has discovered that while there is a correlation between IQ and income (or earning power), how smart you are has very little to do with the amount of wealth you have. Aside from student loans and the cost of education, there is a much higher credit card debt reported by those with higher IQs. The article in Scientific American doesn’t get too much into the whys and wherefores, but I have to wonder how much of it has to do with the rampant marketing the credit card companies aim at college campuses. How many bright young students at Large State University have found themselves racking up some killer debts after having been unable to resist the siren song of the free t-shirt giveaway with a credit card application? I know that I got myself into some trouble during my heady days as a wandering undergrad; trouble that I am just now fully crawling out from under. I’m in my mid-twenties and have little debt, but no personal savings and zero wealth as they define it in the article. And it all started with a naive attitude toward the way credit cards work. I’m not saying that people who run up massive debt are absolved of personal responsibility, helpless victims the diabolical Plastic Barons. But I do have concerns about the way college students are captive audiences and so aggressively marketed to.