Cellular College

As if college students wouldn't call home using their cell phones.

Saavy students like Gardere are saving money for themselves, but costing cash-strapped public universities millions of dollars by not using the school-provided telephone services in residence halls and dorm rooms.

Universities say it is only a matter of time before they will have to consider raising student costs to make up the difference.

It seems to me that you do not have to be particularly savvy to take advantage of a flat-rate cell-phone plan.