<p>-Some textbooks you need new because of online access codes found inside them</p>
<p>Agreed.</p>
<p>-if you get a cheap laptop, chances are it won’t last you 4 years and you’ll need another at some point, probably spending more on 2 decent ones rather than 1 new one.</p>
<p>This cannot be emphasized enough. Not only will you end up paying more for 2+ crappy notebooks, but also in lost productivity, time, and aggravation/worry when the budget notebook has developed serious issues/crapped out at the worst possible times. </p>
<p>As for gaming…depends on one’s definition of gaming. There’s a difference between playing web/app games and say…your latest and greatest games for hardcore gamers who IME…prefer high-end custom built desktop gaming rigs with much better power to price ratio. </p>
<p>-get a printer. everyone has a printer. everyone uses their printer.</p>
<p>YMMV here depending on student and courses. IME, I found having my own laser printer to be a great convenience…especially during severe snowy weather when the computer labs may not even open. </p>
<p>I also printed quite a bit as I liked to go over my essay drafts on hard copy than on computer. Especially considering the quality of computer screens were such eyestrain was more of a serious issue when I was in college than nowadays. In practice, I used the college’s printers much more than my own…but having my own printer was nice for occasions of bad weather. </p>
<p>-the price of a new smart phone is so marginal in the scheme of things its hardly worth listing. All the plans are stupid expensive anyway.</p>
<p>YMMV depending on student. While it’s becoming less common, I still meet undergrads who opted out of smartphones due to budget consciousness and/or not buying into it in the first place. </p>
<p>-cable TV comes in my dorm included but a lot of listed streaming services hardly do television justice. (you need cable for ESPN3 anyway…</p>
<p>YMMV depending on student and prevailing campus culture. For instance, at my LAC, popular spectator sports was such a non-factor no one I knew on campus would have even noticed if ESPN disappeared off the face of the earth during my undergrad years. </p>
<p>Also, there was so much going on with classmates and campus that I wondered “Why watch TV…I can do that at home”. </p>
<p>-For the car you probably don’t need but I’d love to know where you get a lower premium for having it not at school because mine doesn’t matter at all…
Never had a car during my entire undergrad at a rural Midwest LAC. Never had any issues as there’s enough to do and I liked the novelty of walking around cornfields. :)</p>
<p>-Credit card is kind of a personal decision
Unless the given college student is known to be lacking in self-control when it comes to finances, I believe it’s best if undergrads get one with a low limit to develop a decent credit history which could help them with future loans or even renting urban apartments from more desirable buildings/landlords IME. </p>
<p>This assumes, however, student concerned is responsible enough to use it for reasonable affordable necessities and pays off the balance consistently each month. </p>
<p>-high bank fees doesn’t really belong on this list IMO, no one WANTS or NEEDS that.
-be smart and you don’t need overdraft</p>
<p>Agreed. </p>
<p>-You eat a lot and get hungry a lot in college. You need money on that meal plan.
Some residential colleges…including my LAC may mandate one go on the meal plan for all freshmen in their first semester/year. While my college also allows going on Co-Ops, not all freshman would have known about them or understand the obligations/responsibilities/risks* of joining them. </p>
<ul>
<li>Possibilities of running out of food during servings of popular menu items and/or student management miscalculation towards the end of the term. Don’t know about now…but it was an issue with some Co-Ops when I attended.<br></li>
</ul>
<p>-Health insurance is really up to you
More colleges are mandating entering students have some form of health insurance comparable/better than the one they provide. If your parents’ plan doesn’t compare in their eyes or there’s no insurance…you’re enrolled on the college’s health insurance plan by default. It’s mandatory. </p>
<p>-private loans are again something no one WANTS or NEEDS and doesn’t really belong here either…</p>
<p>Sometimes, private loans are needed to cover some/all of one’s educational expenses. Agreed it’s not ideal.</p>