Most college students have what CPAs term “negative net worth.” This means that what you owe—such as student loans, outstanding credit card balances, or a car loan—is greater than what you own. What’s not counted, however, is your potential for future earnings— presumably one of the reasons you are going to college in the first place. Your focus should be simple: do as much as you can to enhance your earnings potential, such as choosing a major in a field that you not only love, but is in demand by employers. Diversify your skills by taking a few practical courses; apply for internships; and practice, practice, practice your public speaking and writing skills. Most importantly, go to class! See each class as a critical investment in your future; skipping just one session means you miss important lessons and assignments, and squanders that investment.