credit!

Credit, credit, credit.  You can’t escape it, nor live right without it.  I’m not an expert on maintaining good credit but just make sure that whatever you sign up for whether loans, credit card, etc., you know that you have the means to make payments back.  Yes, times get rough and you may have to do things that you’re not fond of but credit is a monster if not controlled.  Make sure you always make your payments on time.  If you can’t, you usually know ahead of time and it will be beneficial to let the lender know that you may be late or see if you can get it pushed back without a penalty.
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With credit cards, try to spend what you can afford.  Don’t buy anything that you don’t need if you can’t pay it back the next month.  All creditors want to see is that you can promise to pay on time which will help your credit score a lot!  Everyone has debt and most have over $50k in student loans.  With having such a high amount of debt, missing payments will be detrimental to your score.  You just have to make sure you’re maintaining your business well even with all that you have against it.  This little bit goes a long way!
You may have heard of CreditKarma.com.  This website is a great tool to monitor what’s going on with your scores.  It gives you tips on how to boost your score and if anything is reported so you can be able to monitor and report any false inquiries.