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In this series, Tips from the Pros, Money taps the collective wisdom of expert financial planners.

It can be fairly simple for college kids to get their hands on a credit card. And while this isn't necessarily a bad thing, for some students it can mean graduating college with more than just student loans weighing on them.

Financial advisers say that they see a big problem: College kids rake up credit card debt because they don't understand what they're getting into.

Should college kids have a credit card? For emergencies only, financial advisers say. For a good night out? Stick to what you have in the bank.

Featured advisers: