You start earning quite a bit more between 20 and 25 but if you are broke before 20 you are probably not going to have a whole lot if you keep it up.
I maintained about 10k on me between 13 and 20 or so. Most of what I earned went towards training skills and they were getting more expensive and you were training 2-3 every level.
Once leveling past 20 you usually only have 1 skill to upgrade when you level (if that) so you save a little money there. I seemed to earn a good bit of money on Taris. I was just about always sending my other companion off to do some mission at and level 23 have somewhere between 25k and 30k credits on me.
My biochem is level 140, bioanalysis around 170, and diplomacy around 70. I don't spend any credit on buying gear...only use quest rewards/drops/commendations. Haven't sold anything on the GTN either.