0430 MONEY Students 1…PA library file of students of Liverpool University waiting to receive their degree at the Philharmonic Hall, Liverpool. Consumer rights campaigners warned students Thursday September 18, 2003, to steer clear of credit card companies offering gimmicks such as free cameras and book tokens. Expensive credit card debt could push students over the edge , claimed the National Consumer Council in advice timed to coincide with Freshers Week. Surveys have suggested that graduates can expect to university with student loan, overdraft and other debts totalling between 10,000 and 15,000. See PA 0430 MONEY Students. PA Photo.