The Youtube commercial, created by Angel Ho of Penn, features an average college student struggling with debt:
"He has a credit card out and he wraps it up in a condom. He takes all his other money and wraps that in a condom. He puts that into his wallet, wraps his whole wallet in a condom and then places that inside his pocket. A friend asks him 'hey, do you have a quarter?' And he says 'uhhhhhh' because all his things are wrapped up inside condoms."
Ho says the tag line on the commercial is there are better ways to protect yourself debt disease and it directs the viewer to the website keepitinyourpants.org.:
"And debt disease is a metaphor for how debt can feel like a disease and how many young people are faced with a lot of different kinds of debt with credit cards and school loans."