___US employers post the most jobs in 4 years WASHINGTON (AP) â¿¿ U.S. employers posted the most job openings in four years in June, a positive sign that hiring may pick up. The Labor Department said Tuesday job openings rose to a seasonally adjusted 3.8 million in June, up from 3.7 million in May. That's the most since July 2008. Layoffs fell. The data follow Friday's report that said employers in July added the most jobs in five months. A rise in openings could signal better hiring in the coming months. It typically takes one to three months to fill a job. ___ US consumers cut back on credit card use in June WASHINGTON (AP) â¿¿ Americans cut back on credit card use in June, further evidence that high unemployment and slow growth has made consumers more cautious about spending. Overall consumer borrowing rose because of increases in auto and student loans. The Federal Reserve says total borrowing increased 3 percent to $2.58 trillion in June from May. That's just below the all-time high reached in July 2008. Credit card debt fell 5 percent to $864.6 billion. That's only 1.6 percent above the post-recession low reached in April 2011. Americans have been relying less on credit cards since the 2008 financial crisis and Great Recession. ___ Bernanke: Students must be wise with college loans WASHINGTON (AP) â¿¿ Federal Reserve Chairman Ben Bernanke says students need to be careful when investing in their education. Bernanke says taking on debt to pay for college can be an important way of increasing one's earning potential. But higher education can also become a financial burden if it doesn't lead to a good job, he warns. Student loan debt has steadily increased since the Great Recession and totaled more than $900 billion in March, according the Federal Reserve Bank of New York.