Answer:
True.
Explanation:
Starting with the fact that the person is a student, if he/she is not careful and doesn't plan well, the school debts can be a real weight when they leave college, and without a job or help from their parents, one must fall into great financial difficulty.
Also, starting adulthood can be tricky because people had never dealt with money before in most situations, so credit cards, for example, can turn into a real problem and drag people through debts.
