Filing for unemployment benefits won't directly affect your credit score. Having reduced or no income for a while could make it harder to pay bills, though. If you fall behind, that could affect your credit score. Read more.
Going to college to get a degree and higher paying job seems like the "normal" thing to do. But there are many professional jobs that pay high salaries that don't require a bachelor's degree. This research lists the highest paying jobs you can get without a bachelor's degree. Read more.