I understand, but I do work 2 jobs and make decent money for a full time student. I just want to start and build more available credit for future purposes. I am moving in with my parents for the next 7 months and planning on saving saving saving and paying off at least one of my student loans as i will have a savings of about 600 a month since i will have to pay 300 a month and not have bills, buy groceries, and i will have food ready for me every night from the best cook MY MOM 