What is typically the easiest way for students to start their credit history according to financial advice?

Adding a student as an authorized user on a parent's credit card is often considered the easiest way for them to start building a credit history. This method allows students to benefit from the established credit history of their parent, which can positively impact their credit score without the student having to manage a credit account on their own.

When a parent adds a child as an authorized user, the credit card issuer typically reports the account activity to the credit bureaus under both the parent’s and the child’s credit reports. This can help the student establish a positive credit history early on, especially if the card is maintained in good standing by the parent.

This approach also enables students to gain insights into responsible credit use, as they can learn from their parent's financial behaviors without the risks associated with independently managing a credit account. It thus serves as a practical step for young people to start building their credit profiles in a more secure environment.