Most student bank accounts include large interest-free overdrafts. Used properly, they're a genuine buffer. Used as monthly income, they leave you in the red at graduation, when the interest-free period usually ends.
Credit cards taken out at university often carry small limits but high APRs. If you're falling behind, the same options apply as any other card: request an interest freeze, propose a payment plan, or include the debt in a Debt Management Plan.
Rent arrears are a priority even for students. Contact the university's welfare team early — most universities have hardship funds and can intervene with private landlords.
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