<prompt> Human: I have a job at subway that pays me every 2 weeks with a minimum of 300. I have 200 in a savings account and 1200 put aside for a down payment on a car. I have no credit and no idea what I want to do after highschool. Graduation is fast approaching and I would like to know the best course of action would be so I dont end up in poverty like the rest of my family.  <response>: I have no credit and no idea what I want to do after highschool Keep your job for now. Pick up more hours and see if you cant get on a promotion track to shift supervisor or something. Take on more hours once you dont have to be in class. Do NOT jump headfirst into college debt without a solid career plan, because that will tell you what future income youll have and what degree you need, so you can avoid overpaying. You may fall in love with a career that doesnt require a college education, or you may decide college is right for you. Try and put yourself on a time frame I suggest 2 years at most before you have to take the next big step promotion, college, job change, whatever. You dont want to rush it but you dont want to procrastinate either. Put yourself on a budget, and learn basic money management skills. Now. Before you make any big changes to your subway job or college. Read up on student loans and how they work. If theres one thing I regret, its not learning about how student loans worked until I already had 25,000 in debt. Remember that debt is a tool, but knowing how your tools work is vital. You wouldnt drive nails with a wrench. Once you have your budget, your careereducation plan, and your knowlege of the tools available to you, go for it. Execute your plan, make informed decisions and succeed : 