How Student Loans Affect Your Credit

Vol. 42 No. 4


HEATHER JARVIS ( is an attorney providing educational resources and training for student loan borrowers and is the founder of

Information about your student loans is reflected on your credit report and will influence your credit score. A high credit score based on a positive credit history helps you qualify for favorable terms on mortgages and other loans. A low credit score can make it hard to get good interest rates or any loans at all.

Your credit report is a history of accounts that includes information about how you pay your bills. Creditors, insurers, employers, and other businesses use your credit report to evaluate lots of things that matter (like your applications for credit, housing, and employment). It’s a good idea to review your own credit report and check for inaccuracies. Download your credit report free from

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