If you cannot pay for something in cash, then you cannot afford to put it on your credit card, according to money website fool.co.uk.
This is the "golden rule" of credit cards, says David Kuo, head of personal finance at the website.
He added that students who cannot find a job after graduating should take on any job such as waitressing or bartending to gain an income and show employers they are willing to work.
Figures from the Liberal Democrats show that seven years after graduating, 400,000 people had not started repaying their loans due to earning less than the threshold of £15,000.
However, Mr Kuo conceded that there was a greater burden on new graduates, saying it is a "very difficult time" and "almost certainly" harder to them to find jobs.
This year's graduates face an average of £12,500 debt according to the NUS, although those still studying are accruing considerably more due to the introduction of top-up fees.
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