let's talk with chicago tribune business reporter becky yerak. i know that it wasn't that many years ago that college kids would go to orientation day, and they'd be thrown t-shirts and credit cards. credit card companies knew to get them early, and they were aggressively pursuing them on college campuses. > > there was a big change because of a 2009 law, and it affected everybody who really has a credit card, regarding fees, interest rates... but two of the things that it did, it really curbed marketing to kids - for example, credit card companies can no longer go to a campus and give out little gifts to try to entice students to sign up for credit cards -; also, credit card companies and universities have to disclose these agreements. so colleges have to say how much they are getting in fees from these credit card companies for the right to let them on the campus. so both of these things have kind of combined. > so that is the supply side. but also from the consumer side, young people aren't as apt to want a credit card, too, because, i guess,