Reference no: EM132505357

A college senior with "a thin file." As this term suggests, a consumer with a "thin file" has little borrowing history, which often makes it difficult for them to receive a credit score. And without a credit score, it makes it difficult for them to borrow and establish a credit history. It's a classic "chicken or egg" problem, which is probably why Samantha had sought out Juliana's guidance in the first place.

1. Excellent budgeting skills; uses an app to track all of her spending and keeps to her $200/month budget.
2. History of being responsible with her money and has avoided any debt except for a $5,000 federal student loan.
3. Not required to repay her student loan until after graduation.
4. Attitude toward debt come from her parents, who have paid off their credit cards every month and have excellent credit scores.

Question 1: Use three adjectives to describe Samantha's money habits.

Question 2: Should Samantha be worried about her credit score since she is still in college?