You see them on campus all the time: people promising you free stuff in exchange for signing up for a credit card. The Americans for Fairness in Lending (AAFL) have created a “Punk’d” parody with an Ashton Kutcher lookalike who demonstrates the dangers of predatory lending.

According to the AAFL, credit card companies will sign you up even if you have little or no income, knowing you’ll trigger high “penalty” interest rates and fees. This is how they make the big money, and how college students get embroiled in a cycle of debt that can last a lifetime.

To learn more about what you can do to protect yourself and your credit history, go to the AAFL website.