<prompt> Human: So like the title says, my SIL is going to have to take out some student loans. She is going into her junior year, and will need the loan to pay for her senior year. My wife and I were super fortunate and didnt have to do this, so we arent sure what advice to give her. She has never had a credit card, would it be a good idea for her to get one to try and build some credit before applying for a loan? She has a mediocre GPA and is from a middle class family, so Im not sure if there are any grantsscholarships she could apply for. Any advice or direction would be greatly appreciated.  <response>: The best student loans are federal loans, which dont do a credit check. 