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They do not help you establish credit. You have borrowed, but don't owe, so there's no information about the way you'll handle payments over time.

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Q: How will a deferred student loan affect your credit?
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Will a private student loan that is currently deferred negatively affect your credit score?

It will appear as an obligation and as such limit the amount that will be considered for total monthly payment. No I don't think it will affect your your credit score.


How will a deferred payment look on your credit?

If it is a student loan, there will be a statement on the credit report. It will also show the date that payments were deferred.


Is there any law or authority on how a credit agency can score for a deffered student loan and this is not un unpaid loan just deferred?

No.


Does a parent's credit score affect student loan?

If the student loan is taken out in the name of the student then no. The student's credit score is separate from anyone else's. If the student loan is taken out in the name of the parent or with them as cosigner then yes - their credit scores would come into play.


If cosigners for student loan miss a mortgage payment will this affect student loan?

As long as loan stays current, credit & other obligations irrelevant.


If you have a student loan that's deferred can you open another student loan?

Yes, you can. Students do this all the time. Technically, your student loans are are deferred until 6 months after you graduate or drop out of school at which time you will begin repaying all of the loans.


What is better a student loan or a parent plus loan?

Only a parent can apply for a parent loan. the payment plan for a student loan can be deferred until after graduation. It all depends on who is paying the loan off, the student or the parent


Will a car loan affect chances of getting a school loan?

In the US, no it won't. Your credit and job history do not play a part in student loan eligibility.


Can you co sign a student loan with bad credit?

In the USA, if the student loan is Federal like a Stafford or Perkins loan, then yes you can cosign with bad credit. If the student loan is a private student loan, then no, you must have good credit. Keep in mind, you should never take out private student loans out until you have used up Federal loans, grants, and scholarships. Private student loans have high interest rates and no benefits.


Why is my student loan reporting a credit limit?

The credit limit is the initial amount of your student loan. It helps keep your student loan from skewing your debt to credit ratio which can lower your credit score and make it more difficult to get credit.


Will your husbends credit be hurt from your past student loan even if you weren't married?

No. Credit obtained as an individual does not affect a future spouse.


How does a student loan forbearance affect your credit score?

A loan in forbearance permits a student to temporarily postpone their federal student loan payments. Or, the forbearance temporarily reduces the amount the student pays. Your students loans may show up on your credit report while in repayment status or out of deferment.