It's hard to understand things complex so when somebody is good at it I applaud them.
Answer: Yes she should
Explanation:
In the United States today, companies are increasingly concerned about the credit scores of people because having good credit means that they can borrow money to pay for goods and services when their incomes cannot support the amount of living expenses that people incur in the 21st century.
Living in the United States, it is prudent to start building a credit history as soon as possible because some services will be denied to you without a good credit score.
Even though Samantha is in college, she should definitely try to improve her score before she graduates because she will need a good score to get basic services like an apartment or even a car. To start building a credit score after college will mean being denied several services even if you can afford them.
A Certificate of deposit (CD) is a conservative investment because it is very unlikely that the money will be lost (low risk)
