Definition: In this task, you are given a Reddit post as a text. Your task is to generate a title for this text. The title should start with "TIFU by", followed by a situation that caused humor. The title should contain 7-12 words, ideally.
Input: Text: so i intend to study a masters degree this year for which i need to get a bank loan to fund it. i applied for the loan which is specifically designed for those wishing to study a masters. i have now been told i was rejected from getting the loan because my credit rating is too low. i then was told that my credit rating is so low because i have not been in any debt in order to boost my credit rating. i have student finance and as well as monthly bills but as these payments go through my student account, they do not affect my credit rating because, apparently, student finance and student accounts have no affect on your credit rating. neither positive or negative.

edit: i now realise this is more of a rant than a tifu. sorry about that.

edit ii: the reason this is a major fuckup in my life is that this means i cannot fund, and therefore cannot study, the masters which starts this week. this loan was also supposed to pay for my rent and bills which i am behind on.

TIFU by not being in debt.