<prompt> Human: So basically i am 19 years old and will be attending community college in the fall to restart my academic life. My original goal was to do one year a cc, then transfer. after doing my research i have found this,1. my mom works alot of overtime so ever if i do apply for fafsa next fall i could be denied or receive very little money, this would mean i would have to go the route of private student loans.2. In order for me to receive private student loans i would need a cosigner or a credit around 600-650.3. asking my parents to cosign is out the the question for a few reasons, one, my mom has a history of bad credit, two, im am at the point where i am trying my best to be independent as possible and the fact i would need my parents permission or help at this point is rubbing me the wrong way. three, my parents have a history of trying to control me or try to humble me because i need there helpmoney.So, i have come to the conclusion to take the hard route and stay an extra year at cc and build up my credit over these next two years.My plan is to 1. get a job for monthly income while at cc2. use some of my personal saving to take out self loans over at loanbuilder every 12 months for the next 2 years the self loans around 3000 usd, i plan on doing two3. take 3-4 low budget credit cards and take use of the 0 for the first year only and pay them off monthly using the funds from my job, cancel them, then do it again with new cards for the next 12 months.do you think i can boost it this much in the next 2 years?Tldr; Want to build credit in 2 years using self loans and cheap credit cards to go to college, currently at 4, want to get to 600-650.UPDaTE: I just contacted Equifax, then ran my ssn and name and come to find out i dont have a credit score, because i never had any credit to begin with. im so naive. so i guess it would just be 0 or nothing, and not 4. sorry guys  <response>: um Im not sure you know how FAFSA works... My parents worked and made enough that I got a bad FAFSA score. Which meant I didnt get the ability to get grants or Free Money from the government. But it does allow for me to take federal loans. I had no credit and qualified just fine for the loans. It is why people say the student loans are broken, anyone can get one for any amount. So if you really want to do this and need a loan process your fafsa and your school will then send over the info to do Federal loans. Dont ever do private for school as interest rates are much higher and payment plans are much stricter. 