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6. Get a credit card... I came out of college and had ZERO credit... with money in the bank, I wasnt allowed to finance a $1700 bed, but my boyfriend, in 60k of debt could! Your debt and/or a credit card will get you some credit to start with. But keep your credit on the good side. If you have to, use it to pay for things like books you already have $ for, and then send it home with your parents and dont touch it until next semester!!
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Thats crazy! Banks know they can get more money from people in debt than those with money... it sucks.
Get a debit card ... then you can't go over your credit limit...here we can get student accounts with no interest on a £1250 overdraft ... and free railcard too
May i suggest getting an acc similar to above, and another account, with high interest. Then putting all your money into the high interest and setting up a standing order for a budget. eg £40 a week, and if you keep to it , your balance will be 0 or above.