Your credit score doesn’t decide whether you get federal student loans, but it absolutely shapes how you repay them—and everything else you want to do with your money post-grad. Whether it’s refinancing, renting, or buying your first “I’m-an-adult-now” car, your score follows you.

When we think about changing our financial future, we often start with the big picture: “I want to save more,” “I need to stop impulse spending,” or “I wish I felt more in control.” But the truth is, financial transformation doesn’t begin with major overhauls. It starts with small habits—and research shows it takes an average of 66 days to make one stick.

There’s a reason why so many of us feel like we’re constantly playing catch-up when it comes to money:
The financial system wasn’t designed for us. We’re not just learning to budget.
We’re learning to reclaim power in a world that profits from our confusion.

I’ve cried over money more times than I can count. If you’re sitting in a tiny apartment, refreshing your bank app, holding back tears—you are not alone. I’ve been there. I built Net Worthy for that version of me… and for you.