The number of 18-to-24-year-olds declaring bankruptcy has increased 96% in the last 10 years. University administrators state that they lose more students to credit card debt than to academic failure. Credit unions need to reach out to this market and help young adults prepare for their financial future – both short-term and long-term. Win-Win Savings, an account that awards cash and prizes as part of the saving product’s return, with prizes and messaging tailored to young adults.