Welcome to the Bad Credit Hotel: You can check in, but you might never leave...

Debt is a major factor in the lives of most people my age. While I am on the upper end of a group known as millennials, many of us share a common bond; debt.

No matter if the debt was chalked up for higher education or for high heels; its effect on our futures cannot be denied. Since most of our parents didn't start their adult lives with this much unsecured debt, we're forging new, untraveled trails, with no idea where we may be headed. That's why a new ad campaign by the Ad Council seems all the more relevant.

This new set of Public Service Announcements, as well as a slightly corny but enormously informative game, underline an important goal for the organization; teaching millennials about credit and its effect on their lives.