NEW YORK (AP) — Heading off to college is exciting, but it also involves new adult responsibilities. That makes it a great time to start getting comfortable with credit, building healthy spending habits and learning how to manage money.It’s important for all students to build a solid foundation in managing their finances, said Sara Wilson, director of product innovation at Student Connections, an organization that helps students overcome financial barriers.“You have to consider the financial decisions you make in college because they impact what your financial security is going to be once you enter your first job,” Wilson said.If you’re starting college this fall or you’re currently a student, here are some expert recommendations:Start building your creditCollege is the perfect time to start building your credit score, said Courtney Alev, consumer financial advocate at Credit Karma. A credit score is a mathematical formula that helps lenders determine how likely you are to pay back a loan. Credit scores are based on your credit history and range from 300 to 850. A low credit score makes it more complicated or more expensive to obtain car loans, mortgages, credit cards, auto insurance, and other financial services.