<prompt> Human: A little bit of my financial situation is; I get 1000 a month for a government school assistance, and I work a part time job making about 150 a week. The reason I want to start getting credit built up is both of my parents have filled bankruptcy in the past, so it is almost impossible for them to co-sign on a loan for me. I was thinking about getting a credit card, but Im not 100 sure if this is the best route to take. P.S this is my first time posting here sorry if there are things I left out andor did wrong.  <response>: Just a note here - government backed student loans arent based on credit scores anyway. If youre looking for a private student loan which are please be very very careful. I would recommend steering clear of private student loans entirely if you can manage with federal student loans. Good luck, and I applaud your decision to work on improving your credit score. 