Take 5: A Roundup of Reads From Around the Web

This week: How student loan debt is destroying would-be entrepreneurs, how you’re rinsing and spitting money down the drain, tricks to save on overseas travel, credit score killers and the world’s craziest frugal hotels.

The 5 Best Frequent Flier Programs

Airline reward programs aren’t what they used to be. Here’s a ranking that helps you weigh the perks and a confusing array of restrictions.