Answer:
gotta start off with how much i love your quackity pfp <3
Explanation:
1. I would suggest putting the education on your parents credit card. A student loan could be a livesaver in the moment, but if it can`t be paid off it will stick to you as future debt. This is especially hard to get rid of if you were having to take out a loan in the first place, because you don`t/didn`t have the money for it.
2. (this one im not as sure about so get a second opinion if you can) If the card was opened as a Target card, then it can only be used for the store assiciated with it. Also known as RedCard, Target cards are specifically for shopping and buying merchandise in that store or any corresponding locations.
Hope this helps ;-;