Money expert has advice for the young and deeply indebted

• If you answered yes to any of these questions, you're likely young, fabulous and broke, or YF&B, as financial pundit Suze Orman puts it.
• Suze Orman, author and host of a personal finance show on CNBC, will be the featured guest on "Serious Money," the finance show produced by Seattle public television station KCTS.
• In her usual passionate tone, Orman counsels how to consolidate student loans, how to squeeze a bit more money out of your paycheck if you're making just enough to get by, how to deal practically with credit-card debt, how to shop for a new or used car, what type of auto insurance to purchase and how to focus on getting the right job.
• Question: You start the book off describing the importance of the FICO score.
• It's a three-digit numeric value placed on you that determines every aspect of your financial life: the interest rates you pay, whether a landlord approves you, the insurance premium you pay.
• Question: One of the most surprising points of this book is your suggestion to live on credit cards if you have a job you love but you're not making enough money to get by.
• Anyone who uses credit ought to know what a credit score is.
• And surveys show that most people do.
• But many still don't know what information is used to come up with their credit scores, according to a new survey by the Consumer Federation of America and Fair Isaac Corp., developer of the FICO credit score used by most lenders to evaluate consumers looking for credit.
• To help consumers learn more about credit scoring, the Consumer Federation of America and Fair Isaac have teamed up to produce a new brochure that is being distributed free by the federal government's Federal Citizen Information Center.