The authors react to the critique by Robert Manning and Ray Kirshak (in this issue) about the paper "Usage of Credit Cards Received through College Student- Marketing Programs," which originally appeared in Journal of Student Financial Aid, 2004.
Staten, Michael E. and Barron, John M.
"Credit Cards on Campus: Academic Inquiry, Objective Empiricism, or Advocacy Research? A Response,"
Journal of Student Financial Aid: Vol. 35
, Article 5.
Available at: http://publications.nasfaa.org/jsfa/vol35/iss1/5