HOLD FOR RELEASE ON WEDNESDAY, OCT. 24 AT 12:01 A.M. - In this Friday, Oct. 19, 2012 photo, graduate student Pedro Ramirez, right, talks with Associated Students Inc. Vice President Jon

 

              HOLD FOR RELEASE ON WEDNESDAY, OCT. 24 AT 12:01 A.M. - In this Friday, Oct. 19, 2012 photo, graduate student Pedro Ramirez, right, talks with Associated Students Inc. Vice President Jon
HOLD FOR RELEASE ON WEDNESDAY, OCT. 24 AT 12:01 A.M. - In this Friday, Oct. 19, 2012 photo, graduate student Pedro Ramirez, right, talks with Associated Students Inc. Vice President Jonathon Bolin on the campus of California State University, Long Beach in Long Beach, Calif. Ramirez says he managed to finish his undergraduate degree from another CSU campus in Fresno last year without student loans - but not without credit card debt. (AP Photo/Jae C. Hong)