<prompt> Human: I am 21 years old and I receive absolutely no money from parents, friends, or relatives. I work about 60-65 hours per week at a restaurant making 8.50 hour and at the end of each month I have less than 50 left over.Having to work so much makes it impossible to go to school, have a social life, or advance in life. My parents make too much for me to obtain a grant, and I failed out of college freshman year because I worked 55 hours per week so scholarships are a no go.I am considering opening a credit card and putting 1kmonth of expenses on it for the next 2 years.This would give me much needed time and energy to find a career and make a salary not to mention give me a social life and then aggressively attack my loans when I have a higher income and fixed hours. Can anyone who is a CFP or otherwise credentialed advise me on my options?Thanks,cc  <response>: Unlikely you will find someone willing to give you a CC with a 24k limit... And even if you do you will be paying through the nose in interest 