Another starting option is student credit cards, which are easier to qualify for and tend to come with lower credit limits. Start savingWhile it might be difficult to earn extra income while you're in college, creating an emergency fund can save you a headache down the road. Have a plan for your student loansWhile paying back student loans begins after graduation, it’s crucial that you have a plan while you’re still in college. Managing your finances is a learning process that will continue well beyond your college years. But starting your journey in college can help you kickstart that learning process.