<prompt> Human: 22 F living with parents. Im a full-time college student and work 24 hours weekly. I have accumulated 6,500 in debt because my financially irresponsible mother borrowed 12,000 cash all my tuition savings and asked to put all Christmas expenses on my credit card. She refuses to use her own for some reason. My parents make a combined income of 245,000. My father is unaware of the loans she taking and she guilt trips methreatens to kick me out if I refuse to give her loans or I threaten to tell my father. Its been nearly a year since she took my tuition savings hasnt paid much back. Id move out but I dont think I could support myself while in school. I already took three years to work full part-time jobs to save up. I dont want dropping out to be an option. Im contemplating cutting my credit cards so she can no longer have access to them. Is cutting them a good idea? Any suggestions as to what I should do?  <response>: Dont cut up the credit cards. You may need them for an unexpected expense or whatever, and you should keep your access to them. Plus, cutting them up wont close the accounts, and Im betting your mom knows enough info your name, dob, ssn, mothers maiden name, etc to call the creditors and get them to mail new cards. Instead, drive to your bank branch and rent a safe deposit box. Mine costs 40year. Put the cards in there along with any other documents that are important like passport, social security card, birth certificate. Your mom wont be able to access your box ever, and youll still be able to go get your credit card and use it if some emergency comes up. And if you really want to cover your ass, get a P.O. box, too, at your local post office theyre ridiculously cheap, and update your mailing address with the credit card companies to your P.O. box. That way any new cards or notices they have to mail to you dont get delivered to your house where you mom can see them. While youre at it, have all your banking stuff sent to the P.O. box so your mom can never get her hands on anything that shows your financial info.Then you can just tell your mom that the cards were canceled for non-payment or you canceled them or aliens stole them, and she wont be able to do anything about it. Meanwhile, youre still paying your bills on time, your credit is aging and building your score, and you still have access to the cards in an emergency. 