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OK, I cannot agree. I have about $39,000 in student loans and before I was in repayment period my loans showed up on my credit report but showed deferred status with a date. I have now graduated and I still have a six month grace period. Your student loans are still factored into your overall credit score and they affect your credit score negatively only if they are not paid on time.

AnswerNOT MUCH, AS LONG AS YOU PAY YOUR STUDENT LOANS ON-TIME AFTER YOUR GRACE PERIOD (WHILE ATTENDING COLLEGE) THEN YOU SHOULD BE FINE.

If you're still a student, student loans do not show up on a credit report at all. They only appear after you have graduated, withdrawn, dropped-out, etc. and the repayment starts.

11/01/2010 I will have to disagree with the above answer. Student loans show up on your credit report before you graduate-how do I know this?-Well because I am a student with loans and those loans have showed up on my credit report under "deferred"-they have actually helped my credit score, BUT they will HURT it if and ONLY IF, when it is time to repay I default. I agree with the 1st answer and not the 2nd. Maybe times have changed since the 2nd person answered this question or even has knowledge of the credit score system in conjunction with student loans. These are government backed up student loans that I am referring to, NOT bank student loans.

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2011-10-20 16:56:46
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Q: How will student loans affect your credit?
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