College and credit: Tips for managing your money

Helping young adults build a solid financial foundation is part of protecting what matters — and that starts with smart credit habits in college. Using credit cards responsibly means setting a budget, paying bills on time, and keeping balances low, all of which help you avoid unnecessary debt and protect your credit score. That credit history will follow you when it’s time to rent an apartment, apply for a job, or qualify for a loan down the road. Don’t forget to check your credit reports regularly and steer clear of any quick-fix repair scams. In my experience, the right financial habits now set you up for security and peace of mind later — and that’s what real protection is all about.