<p>Great question. Second the recommendations here. Just keep learning, bit by bit. Some of this will require reading on your own; if you are lucky, there will be a class devoted to this. Good for you for asking. The financial aid and FAFSA forms are confusing, and difficult to wade through, for almost anyone. Almost all of us can afford to become more financially literate; if I had thought this way when I was 18, I’d be in better shape financially. My only saving grace has been living frugally and saving.</p>