* Secured Credit Cards: These require a security deposit, which acts as collateral. If you default, the lender can seize the deposit. This is often the easiest route for students to build credit.
* Student Credit Cards: Some credit card companies offer cards specifically designed for students, often with lower credit limits and potentially higher interest rates. These still require an application and credit check, but the requirements might be slightly less stringent than a regular credit card.
* Co-signed Loans/Lines of Credit: Having a parent or other responsible adult co-sign the loan significantly increases your chances of approval. The co-signer agrees to repay the debt if you can't.
* Lines of Credit from Banks (rare): Most banks will be hesitant to offer lines of credit to students without a significant credit history or substantial income. It's highly unlikely unless you have substantial assets or a co-signer.
In summary, while getting a line of credit as a college student is challenging, secured credit cards are your best bet. Focus on building a positive credit history with this type of card before attempting to obtain a larger, unsecured line of credit.