If you’re considering financing your university education with the help of a student loan, the smartest thing you can do for yourself is to only borrow what you truly need.

These tips will take a bite out of your total education costs and reduce your dependence on outside financing—and they can all be put into action long before Orientation Day rolls around.

According to a recent survey, millennials apparently fear their credit card debt more than climate change, the threat of war and even death.

Credit card use plays a huge role in contributing to your credit history, which in turn is an important part of your financial footprint.