This guide has been created to assistpotential student borrowers and their families in makingdecisions regarding money management. It is intended forstudents who are considering attending or are alreadyenrolled in a tertiary education institution, and coverstopics such as student loans, goal-setting, and repayingdebt. The guide aims to educate students in order to makethem better money managers and more responsible borrowersthroughout their university careers and beyond. Thisdocument is divided into seven chapters: 1) basic financialissues; 2) creating and managing a budget; 3) student loans;4) establishing credit; 5) managing debt; 6) repaying debt;and 7) saving and its benefits.