If I was giving financial advice to an 18 year old about to enter college, it would be this. Get thru school without incurring any student loan debt or do not put anything on a credit card that you do not pay off each month when you receive your statement. "Well, how do I get thru school? My folks are not rich." Work, my young son or daughter, work. It may take longer to get thru school, but when you get out, no debt!!!
We continually see young people start their working careers with significant debt. It puts pressure on them for years, in many cases.