<prompt> Human: Hello rpersonalfinance, Im a 21 year old student with significant student loan debt, and I was always told that I would build credit by paying back my loans responsibly. Is it generally a good idea to also responsibly use a credit card in order to build your credit? A lot of my friends have been doing it for years, and I feel as if Im behind the curve on this one. Thanks!  <response>: So long as you can manage it responsibly, a credit card is a great tool to help build your credit.Dont use the credit card for things you couldnt afford to pay in cash at the time. 