I have a savings account and a checking account. I often use my debit card to buy something, I sometimes deposit or withdraw money at the ATM. I can use my debit card for online shopping, too. I am a student and I do not have a job so I don't earn money (although I am planning to get a part time job next year). I get pocket money from my parents. They usually transfer the money to my bank account or give me the cash that I can deposit. I prefer paying by credit or debit card. I didn't get a student loan bacause my parents pay for my school. In the future I might get a loan (or mortgage) to buy a house or a car or start my own business.