(BPT) - By Mary Hines Droesch, Head of Consumer, Small Business & Wealth Management Banking and Lending Products at Bank of America

The new academic year is here, and for many students and recent graduates, it's not just about textbooks and new routines — it's also a crash course in personal finance. From managing tuition and living expenses to navigating first paychecks and credit decisions, the learning curve can be steep. In fact, new data from Bank of America found 88% of Americans wish they'd learned some aspect of financial literacy in school, whether it's how to budget and save or how to manage debt.

The back-to-school season isn't just about hitting the books; it's also a prime opportunity to master your money. Whether you're returning to campus or embarking on your post-graduat

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