<prompt> Human: I no longer owe on my student loans but they messed me up big time. My credit score is now at a fat 530. Any advice for getting a loan for a laptopbeefing my credit. Or advice for using credit with no loan if not?  <response>: Dont borrow money for a laptop. Instead, saving 250-500 and get a secured credit card. Use the credit card for small, already budgeted purchases each month, and then pay it off in full by the due date on the statement. While you are doing that, keep saving money until you have enough to pay cash for a laptop. 