The Consumer Federation of America (CFA) recently released a study by Georgetown University sociologist Robert Manning, indicating that some college students are forced to cut back on their courses or spend more time working to pay off their credit card debts. About 70 percent of students at four-year colleges have at least one credit card, and revolving debt on these cards averages more than $2,000. In worst case scenarios, some students are dropping out of school in order to work full time. In a separate study, conducted last fall by the U.S. Public Interest Research Group, it was noted that students lured into signing up for credit cards by companies offering free T-shirts, Frisbees and other items typically end up with bigger unpaid balances than those who sign up on their own. (Reported on AOL, AP-NY-06-08-99 2138EDT)