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E hauʻoli a i 50% o nā kūʻai āpau The emergency fund – Dlugozima suggests students save $500 to $1,000 – is to cover unexpected costs outside of your budget. Once you've laid a good foundation with your budget, savings and income, you may be ready to start building credit. Here's how: Borrow only what you can afford. Use student loans to your advantage.

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