Cash advancements and credit cards are readily available to us, but do consumers really understand the costs that come with convenience? We evaluate the true cost of borrowing by examining credit card offers, payday loans, and other fast-cash methods that are popularly advertised to college students. Judge Thomas Lynch, who in 2012 was appointed to the U.S. Bankruptcy Court Northern District of Illinois’ Western Division, presents alongside his law clerk and adjunct instructor at the Northern University Illinois College of Law, John Hardison, an attorney who represented banks and other financial institutions while practicing at an international law firm based in Chicago.