Ask for ways to make credits.

"Ehm...sorry to bother you, but I kinda need some advice" you say.

"Just speak". he replies.

"I am out of credits, is there a way to make some?" you ask.

"Well obviously you have a cargo ship, so you could transport cargo around." he says.

"The problem with that is that nobody will just give his cargo to a stranger. You either have to make a name for yourself, or find someone with a name to guarantee that you won't grab the cargo and run, or you have to pay the worth of the cargo as collateral. With the last way you have to make sure you won't be cheated instead, by paying more than what the cargo is worth."

"The first two options are impossible, so you will need some credits to make more credits."

"You could try the lower markets, there usually are some merchants who want to deliver cargo inside the planet. They don't pay much however, but in a month you should have enough."

"Otherwise you could try to sell data on the G.I., that is if you have something good."

"Finally there are other ways to gain credits, but I am not officially suggesting you to partake in illegal activities."

"Now that's all. If I had an easier way to make creds I wouldn't work here."