Aside from avoiding the Sallie Mae Suicide, I have a few other helpful things to help new kids with zero to no credit.
First off, start with an Authorized User, which is VERY powerful. Get a parent or good friend/relative with established credit to add them as an AU to one or more credit cards. the result is powerful.
Credit card companies can just be as damaging as Sallie Mae. The only different, with credit cards, you have the option of bankruptcy along with the protection. Sallie Mae, no such protection. Regardless, bankruptcy is an option no one wants to exercise.
Keep good credit, don't mess around with Sallie Mae and you'll never have to think about it.
I have a trustworthy friend with a Youtube channel about the subject, as well as other links:
That last link is for people with bad credit, but, if you have bad credit, then that's the site for you!
People have killed themselves over debt, including Sallie Mae...the title Sallie Mae Suicide can and has been literal for a few sad souls.
Even if you play it safe with Sallie Mae, there are other creditors out there just waiting like predators in the darkness...but, if your debt troubles get out of control...STAY CALM...for yourself, your family...money is no reason to end your life.
Just know, in 100 years, no one will remember a Sallie Mae debt.
I wish you all the best of luck in keeping your credit life line flowing!