<prompt> Human: Edit: Thanks so much guys. Theres definitely a lot here to think about. All the input is greatly appreciated and the ideas will definitely go into considerationpractice. I just graduated from high school in the US and will be leaving for college soon. I also just recently turned 18, so there are a great many responsibilities for which I am now personally responsible, rather than being able to follow in the shadows of my parents. I have a few questions regarding my upcoming financial decisionsventures and I would truly appreciate the help of this sub. First off, to establish some background:- I was fortunate enough to be awarded full tuition to my University, so that expense is covered. I am, however, living on campus, which will require housing payment and meal plan payment. - I currently work one job, making 9hr, working roughly 25-30 hours a week. I am looking into getting a second job to work night shifts to make as much money as I can I seriously want to avoid taking any kind of student loans if at all possible- I have two savings accounts. One is more of an emergency fund that my parents set up when I was young you know, the one where every birthday you had to put some in the bank to save, and the other is my personal savingschecking account that I created when I got my first job. I dont have any credit cards, only a debit card linked to the second account.So my questions are: - What is the best way for me to begin establishing credit? - What are the best ways for me to divide my income in order to maintain a solid hold on my student fees without taking out any loans- Is there any specific advicefirst hand recommendations as far as not going completely insane, or advice in any other capacity?Thanks in advance guys!  <response>: Get a credit card, spend a bit and pay it off each month.. Even if youre spending barely anything with it, its still going to help your credit score 