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" A recent study of how social networks lead college students to define, perceive, and participate in “hooking up” showed that while everybody is talking about it, no one is exactly sure what it means.

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Alan Sillars of the University of Montana, was conducted on 274 college students at a large public university.

They found that while 94 percent of participating students were familiar with the phrase "hooking up,” there was no consensus about what “hooking up” actually entailed.

If not, get help from a mediator or a financial planner, which is cheaper than an attorney." The basics Debt incurred during a marriage is generally the joint responsibility of both parties, as long as both are co-signers on the credit cards, says Bill Glassner, a financial planner with Glassner Carlton Financial Planning in Cedar Knolls, N. "However, if the credit card is in one spouse's name but the other is just an additional cardholder, that spouse isn't responsible.

" One exception is community property states, where both are responsible, even for debt incurred by one partner.

Other options for paying off jointly incurred debt include using joint savings or tapping a home equity line of credit in a jointly owned house.

If you are in financial trouble, visit an accredited credit counseling agency for assistance in figuring out your options.

If you are drowning in debt and can't extricate yourself, even with the help of a credit counselor, you may need to file for bankruptcy to get out from under your credit card and other debts.

If so and you're still married, you should file at the same time so that neither of you gets stuck with joint debt, says Craine.

It's also important to inventory your wallet and make sure all joint credit cards are canceled during the divorce process.

The consequences of going into your newly single life with jointly held debt are potentially painful: Should your ex file for bankruptcy or just not pay what he or she is supposed to pay, your creditors can go after you for the full amount of the debt, plus interest and penalties.

(For a list of alternate euphemisms, see below.) All Talk?

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