You've passed the first hurdle - getting the financing you need to enroll. Now add successful money management to your list of subjects. Good credit habits go a long way toward creating financial independence. Plus it feels good to know you're doing all you can to avoid the most common student pitfall: being broke.

Heading back to school
If you are heading back to school and have a ScotiaLine personal line of credit for students, please complete the Proof of Enrollment form, which will allow you to gain access to this year's approved portion of your ScotiaLine personal line of credit for students.

Run out of money?
If your current credit limit is not sufficient, and you need more money, you can apply to increase your overall maximum credit limit. Just sign-on to Scotia OnLine* and select the "Borrowing" tab and the "Apply" sub-tab to access the Limit Increase application. If you have not activated Scotia OnLine, see the "Activate Scotia OnLine" link on the sign on page.

*Please note that if you had originally applied for the Student Line with a parent/guardian, we require it to be the parent/guardian who signs on to Scotia OnLine and applies for the limit increase.

How to budget
Sure it's not the most fun thing to do but when you make a budget and stick to it you can end up with more money to spend on fun things. Like throwing a party next Saturday night. Here are some tips that can help.

Genuine bargains. L'earn to reap the rewards and get more money back
Discounts. Discounts. Discounts. The more you get for your money the better. Starting with the Student Banking Advantage Plan®. And check out our L'earn^TM VISA* card for students - with a Moneyback™ reward of up to 1%, no annual fee, membership in the ScotiaStar Network™ and other special benefits.

Specially designed for professionals
Day to day banking. Year to year financing. In your quest to become a dentist, doctor, vet or any other eligible professional, examine the Scotia Professional® Student Plan.

Get closer to your money
Controlling your money 24/7 is easy when you have this kind of choice: Banking by phone Internet, wireless, or ABM. What are you waiting for? Have an out of bank experience today.

Protecting yourself
You know the loans you've taken out to pay for school. Good idea to insure them just in case something happens to you.