Though aimed at recent college graduates, the latest from Khalfani (The Money Coach's Guide to Your First Million) is divided into three main sections-bills, student loans and credit-of which only one is grad-exclusive; the rest is full of information useful to anyone in need of an introduction to personal finance. Packed with practical tips, Khalfani helps students still considering loans and those already knee-deep in debt-covering topics like payment schedules, loan consolidation, "savvy ways to put off payment" and little-known loopholes-along with anyone trying to keep up with monthly bills and build credit. Her conversational style keeps the dry material lively and makes it easy to understand complex financial concepts ("Re-aging is how you get a 'do over' in the credit card world"). Those who buy this volume for the graduate in their life may want to read up before passing it along.