Do Student Loans Affect Credit Score

Student loan problems? We've got the answers.

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do student loans affect credit score

Positive student loan accounts will increase your score if they’re in good standing. By simply having them on your credit report, they count as an installment loan which adds to your credit mix (10% of your score). And by making payments on time, they help your payment history, the largest part of your credit score (35% of your score).

Like any account on your credit, ensure you pay it on time. If you fall behind on payments, or stop paying your student loans all together, it will become a derogatory account that will drop your score up to 100 points for seven (7) years. That could mean no credit cards, car, or even certain jobs, for a long time.

If your student loan is already delinquent or derogatory, work with a professional to remove the accounts for you.

Get Your Student Loans Professionally Removed

In some cases, we recommend speaking with a Credit Repair professional to analyze your credit report. It's so much less stress, hassle, and time to let professionals identify the reasons for your score drop.

If you're looking for a reputable company to increase your credit score, we recommend Credit Glory. Call them on (833) 990-2003 or setup a consultation with them. They also happen to have incredible customer service.

Credit Glory is a credit repair company that helps everyday Americans remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from their credit report. Their primary goal is empowering consumers with the opportunity and knowledge to reach their financial dreams in 2020 and beyond.

Why choose Credit Glory?

Competitor 1
Competitor 2
Price
$99/m (+ small, one-time $199 review & setup fee charged once your letters are sent)
$90–$130/m ($130 most popular)
$79/m (+$79 review/setup fee)
Customer Service
Mon - Fri: 9AM - 8PM
Sat & Sun: 9AM - 5PM
5 days/wk (M-F), 7 A.M.–7 P.M.
5 days/wk (M-F) 9AM-5PM
Guarantee
Industry-leading 90-day, 100% money-back guarantee (if we remove no negative items)*
None
Money-back guarantee
Reputation
A+ BBB rating (4/5 stars)
No BBB rating (2/5 Stars)
C- rating w/BBB
*Less the initial setup fee
Accurate as of October 28th, 2020

Start Fixing Your Credit, Today!

Call and start your credit repair process, today! Don't let inaccurate items on your credit report hold you back.