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My plans for paying for college are easy. For example, I have financial aid and I also have a scholarship called "education first." As long as I keep a minimum of a 3.0 GPA I keep the scholarship. After first semester I also plan on getting a job that ties into my schedule.

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As of right now I'm not facing any credit challenges besides not really having a credit score. To fix this I've decided to get two credit cards and pay the bill on time so that I can build my credit up to where it needs to be.

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It's imperative to have good credit because that's how you get approved for apartments, houses, loans, cars, etc.

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Make a list of your monthly expenses. Doing this will give you a glance of how much money you need to spend a month and whatever is left over you can save or spend on yourself.

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Credit Karma uses your credit profile to show you curated recommendations. Plus, you can see your Approval Odds¹ before you apply without impacting your scores.

If you are new to credit, putting away as little as $10 per paycheck could help your score go up. Just a few clicks and you could be approved instantly to start improving your credit in as little as two months.

You're eligible to apply through Credit Karma Money if your TransUnion credit score is 619 or below at the time of application. Members with a credit score of 619 or under could see an increase within 2 months. Late payments and other factors can have a negative impact on your score, including activity with your other credit accounts.

Relief roadmap connects you to government support and personalized debt relief options.

Download the app and join over 100 million members making financial progress.

Editorial insights to help you reach your financial goals.

¹Approval Odds are not a guarantee of approval. Credit Karma determines Approval Odds by comparing your credit profile to other Credit Karma members who were approved for the product shown, or whether you meet certain criteria determined by the lender. Of course, there's no such thing as a sure thing, but knowing your Approval Odds may help you narrow down your choices. For example, you may not be approved because you don't meet the lender's "ability to pay standard" after they verify your income and employment; or, you already have the maximum number of accounts with that specific lender.

The Credit Builder plan is serviced by SeedFi and requires a no-fee SeedFi line of credit and SeedFi savings account provided by Cross River Bank, Member FDIC. You're eligible to apply through Credit Karma Money if your TransUnion credit score is 619 or below at the time of application. With Credit Builder, you may be able to elect to enroll in the optional AutoSave program, which allows you to automatically save as little as $10 per paycheck if you contribute biweekly or semimonthly and as little as $20 per paycheck if you contribute monthly. If you do not elect to enroll in AutoSave, any contribution you make to Credit Builder may not be less than $10. Please see our FAQs. Banking services for Credit Karma Money Spend account is provided by MVB Bank, Inc, Member FDIC. Maximum balance and transfer limits apply per account. Credit Builder is not provided by MVB Bank.

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Free credit scores and tools to make financial progress

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Credit Karma uses your credit profile to show you curated recommendations. Plus, you can see your Approval Odds¹ before you apply without impacting your scores. If you are new to credit, putting away as little as $10 per paycheck could help your score go up.

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Being that I'm getting a job next semester, I will be saving $150 from every paycheck.

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I currently don't have a budget, but I do set aside money just in case of a rainy day in the future.

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Credit Karma uses your credit profile to show you curated recommendations. Plus, you can see your Approval Odds¹ before you apply without impacting your scores.

If you are new to credit, putting away as little as $10 per paycheck could help your score go up. Just a few clicks and you could be approved instantly to start improving your credit in as little as two months.

You're eligible to apply through Credit Karma Money if your TransUnion credit score is 619 or below at the time of application. Members with a credit score of 619 or under could see an increase within 2 months. Late payments and other factors can have a negative impact on your score, including activity with your other credit accounts.

Relief roadmap connects you to government support and personalized debt relief options.

Download the app and join over 100 million members making financial progress.

Editorial insights to help you reach your financial goals.

¹Approval Odds are not a guarantee of approval. Credit Karma determines Approval Odds by comparing your credit profile to other Credit Karma members who were approved for the product shown, or whether you meet certain criteria determined by the lender. Of course, there's no such thing as a sure thing, but knowing your Approval Odds may help you narrow down your choices. For example, you may not be approved because you don't meet the lender's "ability to pay standard" after they verify your income and employment; or, you already have the maximum number of accounts with that specific lender.

The Credit Builder plan is serviced by SeedFi and requires a no-fee SeedFi line of credit and SeedFi savings account provided by Cross River Bank, Member FDIC. You're eligible to apply through Credit Karma Money if your TransUnion credit score is 619 or below at the time of application. With Credit Builder, you may be able to elect to enroll in the optional AutoSave program, which allows you to automatically save as little as $10 per paycheck if you contribute biweekly or semimonthly and as little as $20 per paycheck if you contribute monthly. If you do not elect to enroll in AutoSave, any contribution you make to Credit Builder may not be less than $10. Please see our FAQs. Banking services for Credit Karma Money Spend account is provided by MVB Bank, Inc, Member FDIC. Maximum balance and transfer limits apply per account. Credit Builder is not provided by MVB Bank.

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Free credit scores and tools to make financial progress

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Credit Karma uses your credit profile to show you curated recommendations. Plus, you can see your Approval Odds¹ before you apply without impacting your scores. If you are new to credit, putting away as little as $10 per paycheck could help your score go up.

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A major learning and research institution with a distinct mix of academic resources and strong community initiatives.