<prompt> Human: Hi, Im am 18 years old and started college last year in August. I wanted to see if I had a credit score and signed up for credit karma to check and I found out my credit score is 586...Right now I only have 3 student loans for college that amount to around 9500. The loans dont require any payment until I stop going to school or until I graduate I believe. My question is is it normal to have such a low credit score? Thank you.  <response>: 1 to the suggestions to get a credit card, but remember the limit is not how much you can spend, its how much you can owe.Meaning, consider keeping your limit at 500. 