I owe my school $4000 and can t get a credit card?

I am still young but I cannot pay that amount of money right now. I am currently in a different school. Are there any other ways that I can build my credit? or are there any cards out there where I can still make money when I spend and save?

Other answer:

Amberly Sweatpea:
Yes, there is one way that you can build credit: By doing nothing. Credit normally goes up over time if you do nothing. Doing anything, especially trying to get credit cards, tends to bring it down.
You can't begin to build your credit with a $4,000 debt. You can only begin to build your credit after your debts are all paid. Pay it off sooner by obtaining another job.
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