<prompt> Human: My mom opened a savings account for me to start saving for college, but it got shut down because of insufficient funds. The state California took the money from my account. We think it was because she has a lot of student debt, but the account was in my name. Were finally going to open an account for me at our local credit union, but I want to make sure the same thing doesnt happen again. There wasnt a lot of money in the account, but since Im hopefully going to be working soon there will be more in this account. What can I do to prevent the same thing from happening?EDIT: Added more info  <response>: Keep your moms name off of your accounts. 