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Here are 14 short tips for keeping your accounts in order while you are studying at university, and making sure you are making the most out of the sums made available from the government, award and grant agencies, and the Student Loan Company. Some are common sense, but if you follow all the steps then you should be able to survive without getting into too much debt.

Once you have decided which bank offer the closest fit to what you need from your bank account, it is always best to be safe and ask your local branch of that bank for their terms and conditions. We all know this is rather dull, but it is better to read the small print now and not be stung with charges later. Also, if you have any questions, don't afraid to ask, remeber the staff are their to help you.

Most students will have had some form of bank or building sociaty account while they were at school, and a savings account or basic bank account would have been all that was needed. However, as you move into the next more independent stage of life, you need different things including a debit card, an overdraft and often a credit card.