I don't want to get all "Martin Lewis" on you but have you never had a creditcard, bank account, loan, mortgage, savings account, mortgage, insurance policy, etc? It's not swotting up it's spending a very small amount of time to learn about what to do with money/debt/credit etc to save yourself literrally ?1000s over time.....ignorance of money costs most people a fortune, it's not complicated, it's not even boring..... get empowered!