Get a credit card ha!
I had a credit card since 19. Now I have 4 or 5 of them. Really helps to get what I want for now. I never max out on them though, so they raise the spending limit every year

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As far as meeting friends, have you tried meetup.com? Any interest group helps. Join a church, an organization, for a start chat online w/ other fellow people here. Msg them on their profiles, talk about SA, anything once the relationship builds up. Make a goal and try to meet classmate(s).
I lived in a medium-size town before, seemed small in some communities. I didn't like the roommate I had who befriended me. I made a few friends at the college. It's a start. I think online friends are great!