<prompt> Human: Im 21, in college with probably 28,000 in total loans by the time I graduate, which should be in about a year or so. My dad was never taught anything about finances, so he got himself in debt early on in his life, which he regrets. Hes subscribes religiously to Dave Ramsey now.On the subject of credit cards, he said to just never get one, no exceptions. I was under the impression that using one responsibly paying it off immediately, never relying on it, etc is a great method of building credit which I must admit, I know very little about. He was adamant that there are other ways of building credit, and that credit cards are pure evil.Is this solid advice? Im fairly ignorant to personal finance, so I come to yall for help. Thanks!  <response>: Most people who have dug their way out of CC debt swear that they are the devil, when they really just need to look in the mirror and realize what the real problem was. Nobody held a gun to their head and forced them to abuse credit. That being said, just like anything else in life, expect positive results when used responsibly. 