Thank you all for the great help!  I am trying to figure out which exchange to use.  Coinbase seems good, but it looks like it will take $10 or more if I transfer it from a bank account.  With Kraken and Bittrex, I would need to buy Ethereum elsewhere and then transfer it. 

What is the best way to buy altcoins from a bank account or credit card (preferably with minimal fees)?

I want to start out trading altcoins but don't know where to start.  I don't have much money because I am a student.

Should I put my money in low cost coins such as NEM or should I put it in higher cost coins such as litecoin?
Should I spend $10 on each coin? $20?
Should I try a few ICOs?

Any help would be appreciated, thank you