There are three things you need to be doing.
You need to make an array for all the strings and use "save array" and "load array" to save/load that information quickly (and on one line of code). Also you should use for/next loops for any printing to reduce the size of your code.
Using save/load array also gets rid of the need to open/close files and allows you to save a file that already exists (rather than having to delete the file before writing).
Hope this helps.
dim Pass$(31)
input "ENTER USER NAME: ",login$
for t=1 to 3
input "CREATE PASSWORD #"+str$(t)+": ",a$
Pass$(t+28)=a$
next t
save array login$+".PRIVATE INFORMATION FILE",Pass$(0)
` Clear the string to show this code is working.
for t=0 to 31:Pass$(t)="":next t
load array login$+".PRIVATE INFORMATION FILE",Pass$(0)
cls
for t=0 to 31
text x,y,str$(t)+" = "+Pass$(t)
if t=28 then x=200:y=-15
inc y,15
next t
wait key