<prompt> Human: I know this is talked about a lot in personal finance, but I felt like we need a thread dedicated to the tricks of credit when it comes to student. I 21, male personally only have 3000 bucks in student loans and my credit score is around 730 from all three credit bureaus. For me it was next to impossible to get my first credit card. I was very mindful of building my credit when I was 18 and felt like I had to jump through hoops to get a big boy credit card. My credit union told me the best option was to take out a secured loan, basically they gave me a check for 1000 bucks and I paid them back over a period of a year, which ended up only lasting about three months when I noticed the ridiculous interest they were charging me. I have many other friends going to much more expensive schools having no problems taking out 60k in student loans per year. My questions to the fellow personal finance redditors...- how can students take out these huge private loans but be denied a student credit card ex. Discover student card- how will this effect their credit in the long run? Will it look good? Bad? - do student not understand what they are doing because the government and private banks have made it so easy to take out these loans?- what are your stories?Edit: I may have emphasised to strongly on some of my hardships with building credit. I was diligent and my credit is now quite good. I now have an auto loan and have opened 5 other credit cards travel, shopping, low APR, groceries, store card. The card I use most often is my CSP. This post was direct more at the overall idea of student loans than my particular situation. Thanks for the insight  <response>: Often the student loans are co-signed by someone or at the very least cannot be discharged; a Credit Card is an unsecured loan. Even though one loan is much greater in value, the student loan is more secure in repayment. 