As Juliana reviewed the handwritten notes from her first meeting, she noted the following: - Excellent budgeting skills; uses an app to track all of her spending and keeps to her \\( \\$ 200 / \\) month budget. - History of being responsible with her money and has avoided any debt except for a \\( \\$ 5,000 \\) federal student loan. - Not required to repay her student loan until after graduation. - Attitudes toward debt come from her parents, who have paid off their credit cards every month and have excellent credit scores. - Samantha's interest in credit scores came from an article she read (Smart Credit Bloa: What's the best way to bulld my credit score?) that discussed ways to build a credit score and the importance of having a good credit score. Answer This: 1. Use three adjectives to describe Samantha's money habits. 2. Should Samantha be worried about her credit score? After all, she is still in college. is Now that she had analyzed Samantha's file, Juliana still had to come up with some recommendations for