<prompt> Human: Im not entirely sure if I understand the whole situation right. Ive always trusted my parents instincts when it comes to financial issues because I just assumed they knew what they were doing.They dont. At all.Turns out my parents have horrible credit, and when my mom tried to co-sign a credit card with PNC, they denied it due to her credit. Also, Im financially illiterate, and I mean I know about as much as a 12 year old when it comes to finances, and that scares the shit out of me. I dont know where to start. I have a decent income and savings account for someone my age because thankfully Ive been frugal and I save up...but other than that Im completely lost.Can I get a credit card without a co-signer...what exactly IS a co-signer, and where can I go to find out about personal finance from the bare basics? Thanks!Assistant: Are you a student? A lot of credit card companies have student credit cards. They start with low credit limits to help those build credit while in school. I have Discovers student card as a part of the ones I use. You can also try with your local credit union. They have options for people in your situation like secured credit cards. Human: I would look into the student cards but Im a graduate in 2 months :  <response>: Youre still a student so youre good as long as you get it in 2 months. 