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She observed that young people do not grow up within communication campaigns but within relationships, and their decisions are influenced by several factors, including what they believe, what their peers think, what their parents and partners say, and the social environment in which they live.

Students must also be aware of financial traps, which range from mobile loans to “buy now, pay later” schemes. A student who understands how money works can anticipate these pitfalls and take the safer and better route.