I was “fortunate” enough to grow up in a family that has a lot of money troubles. I knew what it meant to receive unemployment benefits when I was 9, could explain the intricacies of Medicaid at 10, and knew how to file my own reduced-price school lunch paperwork at 11.

The repercussions of financial stress at a young age and early maturation aside, I use the term “fortunate” because I am genuinely thankful that I entered college and the working world knowing about the world of credit, especially once my health care became more complicated.

As folks experiencing chronic illness know all too well, being sick is expensive and credit reporting in America is a complicated and confusing system that is not made to benefit the people who use it.

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