For years, Richard Gutkowski committed himself to teaching and helping civil engineering students hone their technical talents before they launched into professional careers. College can be a financial burden for many and Gutkowski helped ease this burden by providing jobs, internships and graduate assistantships to students.

Now retired, he has taken a side-step from civil engineering to continue to help them financially, but in a different way. He undertook writing a book series on debt management. His purpose is to present the topics using everyday life viewpoints and experiences.

Book two

DEBT is a Four-Letter Word, But it Need Not Be! The CAR FINANCING EXPERIENCE is the second book in the series. The prior book, DEBT is a Four-Letter Word, But it Need Not Be! THE COLLEGE EXPERIENCE, deals with issues he saw many students struggling with: student loans and credit cards. Comprised of 14 Lessons, the book covers 35 realistic Situations and 38 practical Exercises.