<p>JC, rules have changed about co-signing. Do you know if they were in place when she got hers?</p>
<p>Nice to see someone else stressing budgeting 
Once I started my job, I used it lightly to just monitor my spending. Now I use it to see how much extra I save each month and allocate that savings between house, grad school, and fun stuff. Nice to see it all going somewhere rather than dumping money away into a bank account or overspending occasionally.</p>