College students are becoming debit card junkies, squandering $3 in fees for each $1 they run up for coffee or snacks on their “bounce-proof” cards.

One student spent $17 in seven trips to campus area shops for snacks and supplies – only to get hit with $245 in overdraft fees because his account was overdrawn by about $1.80 each time he used it, said a report by the Center for Responsible Lending.

The report yesterday by the watchdog group blamed banks and even colleges themselves for recklessly arming young people 18-24 with debit cards that never say “no,” allowing the cards to run up excessive fees in the billions.

“Instead of protecting their financial well-being, the banks’ overdraft loans are robbing young people of a secure and solid start in their adult lives,” said Eric Halperin, director of the group’s Washington office.

As many as 100 top universities – including Northwestern and the University of Texas – issue campus ID cards that are combo debit cards with bank partners. Many of the campuses and the banks split the overdraft fees, which totaled $1 billion last year for students.

Banks flood campuses with startup checking and debit card accounts with automatic bounce protection that lets clients use them even with overdrawn accounts – but charging them $35 each time.

“An abusive overdraft loan can make a small purchase, even a doughnut, cost the unsuspecting bank customer over $30,” the report said.

Soaring overdraft fees – which jumped nearly 70 percent in the last two years – are so rampant that the House Financial Services Committee plans to mark up legislation today to curtail some of the abuses.