2009-10 Issue 19 Loquitur

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Thursday, March 11, 2009 2010 Thursday, Feb. 19,

YOU SPEAK, WE LISTEN

Radnor, Pa.

Pacemaker Winner

CABRINI COLLEGE

Vol VolLI, L,Issue Issue19 17

www.theloquitur.com

Cabrini students are BE(You)TIFUL On-campus fashion show promotes positive body image SEE NEWS PAGE 5 LINDA JOHNSON//SUBMITTED PHOTO

Jane Golden, the executive director of the City of Philadelphia’s Mural Arts Program, was the recipient of the 2010 Ivy Young Willis Award.

Ivy Young Willis Award honors Jane Golden megan bernatavitZ copy editor

mmb722@cabrini.edu

MARY JACOBS/STAFF PHOTOGRAPHER

Poor neighborhoods in Philadelphia, like many cities, during the mid-20th century became defaced by graffiti. One woman, however, transformed the face of Philadelphia and started the now-world-famous mural arts program. Jane Golden, the recipient of Cabrini College’s Ivy Young Willis award, developed the community

program that works with residents to imagine and express their dreams and ideals on public walls throughout Philadelphia. On Tuesday, March 9, Dr. Marie A. George, college president, presented the award to Golden. Golden accepted this award in front of faculty, students and others in the Cabrini community. In 1985, she came to Philadelphia at the request of former Mayor Wilson Goode. Goode hired her to help with the graffiti problem

that was overtaking the city. Golden worked with the Philadelphia anti-graffiti network for over 11 years. During those years she not only helped with the graffiti problem in Philadelphia, but also developed a community organization that is known worldwide for the exceptional outdoor murals that make Philadelphia recognized for its public artwork. In 1992, Cabrini College

AWARD, Page 3

Credit CARD Act protects college students megan Kutulis deputy editor

mmK726@cabrini.edu

As 40 students filed out of class, the professor asked each one if they had a credit card. “Nope,” says the first student. “I’m not allowed to have one,” explains the second. “I have one, but I’m only allowed to use it for emergencies,” offers a third. When asked whether or not they own a credit card, these Cabrini students provided radically different answers than millions of other college students across the country who have been lured in the by the promises of tempting buy-now-paylater appeal. According to a 2009 study conducted by Sallie Mae, nearly 84 percent of undergraduates had at least one credit card. “I don’t have one because I don’t trust myself with all that money,” Arielle Friscia, junior communication major, said. “I know I would spend too much of my own money or my parents’ money. It’s just not a situation I’m ready to get into just yet.” Student use of credit cards is the focus of major new legislation that went into effect on Feb. 22. The law, the Credit CARD Act of 2009, made drastic changed in the credit card industry, protecting

cardholders against “unfair or deceptive” practices. Under the new law, limitations are placed on the issuance of credit cards to anyone under the age of 21. Unless the applicant proves that they are financially able to make payments, students are required to have a co-signer, usually a parent, who can make payments if the student cannot. The provision will prevent college students from signing up for cards during campus visits from credit companies, who usually lure students through promotional posters, “bonus point” offers and special student cards that offer a low interest rate. “I think it’s a really smart idea to make sure college kids can’t sign up for credit cards so easily,” Holly Prendergast, sophomore communication major, said. “They will just use it until they’re thousands of dollars in debt. When they graduate, they’ll end up with a bad credit rating. Maybe this will prevent that.” Prendergast highlights a disadvantage to credit cards that most students are willing to overlook: the debt that awaits them after six months of purchasing with zero interest. In 2009, 82 percent of students carried balances and were burdened with unprecedented charges every month. The new law will address these charges as well.

CREDIT, Page 3

HOW STUDENTS ARE AFFECTED The following provisions are now required by the Credit Card Act of 2009

-Students under 21: • Need a co-signer or • Proof they make enough money for his/her monthly payments -Credit card companies: • Cannot market themselves on college campuses


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