<prompt> Human: Hello PersonalFinance,Im an 18 year old college student that recently attended an assembly about the importance of credit and saving money. Ive never had a credit card, and the only loan that I have is a small federal loan, which to my knowledge, does not require payment until after I graduate.I went to Creditkarma.com and created account. During account creation, the site asks me if I have a mortgage, which I answered none of the above. I did read the PF FAQ, which states that this is normal. My credit score according to credit karma is a very poor 550. Is this normal for having a federal student loan or was my identity stolen? Even the website states that I have made all of my payments none on time. Is there a mistake with my account?  <response>: You have no credit history so why would you have a good credit score? 