Diamondprincess24 asked:


Do they factor student loans into your debt/income ration?
Does it affect your score?
Im not in default/im still in school!
Im trying to improve my credit score just payed off three things, How do i get my score higher?

Jonathan E asked:


It seems as though the only programs available to student debt holders only apply to Federal Loans. Just wandering if there is anything available to private student loan holders.

tomiko asked:


I have $60,000 in various student loans, but since consolidating my combined payment is only $300/month. I have no other debt. Do lenders view student loan debt differently due to the flexibility of the loans? Also, would they look more at the total amount of the debt or the monthly payment when determining the rate and loan amount?