My son just started college and the school where he goes has a seminar in how to handle money and budget, etc. Virtually all people start school with no idea how to handle money. You are not alone in that, and every one of us has had to figure that out. I am almost positive that your school has a similar service to assist you in figuring out your money. I walked into my school's financial aid office and just said, "Please help me figure out my aid and loans because I'm doing this all on my own." The people there were incredibly helpful.