<prompt> Human: Heres my situation:Im a 20F student finishing up my second year of university. Up until now, Ive been able to use scholarships I earned in high school to pay tuition and rent. Starting in the fall, I wont have any set aside funds like scholarships to pay for tuition or rent. Tuition costs just under 5k a semester, and my rent will be 550month. I have a part time job that will pay about 600month, but I also have to pay a monthly water bill, and Im unsure as to what that will cost. I will be finishing university a semester early, so I only have to worry about 3 more semesters of tuition. I have never had a credit card or had to take out loans, so I dont think I have any credit history I do pay electricity and water bills with my debit card now, but am unsure as to ifhow that effects my credit history. Im thinking of ways I can finance my final semesters of university, so my current options are to either pay things off with a credit card or to try to obtain some loans. Whats the better option? Thanks in advance!  <response>: A brief glance at the interest rates associated with each should answer your question. 