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Spending It

The graph of the stock marketâ??s downward zigzag, a sinking mountain range in silhouette, is a textbook illustration (for those who can still afford their own textbooks) of how quickly the comfy insularity of college life can vanish.

Forget â??Gossip Girlâ? or â??Family Guy.â? Financial concerns are the new topic on campus. â??Sometimes people will make it a joke, but because there are so many jokes, you know itâ??s really serious,â? says Kyia Bish, a Spelman College freshman from Queens who is concerned about her momâ??s job security at JPMorgan Chase.