A credit freeze makes it more difficult for thieves to use your identity to apply for loans or credit cards in your name. (marthamay.com)
If you have other personal loans or credit card debts and you can't pay them, contact your credit providers to negotiate a payment plan. (moneysmart.gov.au)
Unless you can learn to live below your means from the start, you'll never make a dent in student loans or credit card debt, let alone build savings. (lendkey.com)