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student loans, or any loans of the like can actually hurt your credit if you owe too much. If you have 100,000 in student loans, and you make 30,000 a year your debt-to-income ratio is going to be wayy to high, and scary to potential lenders. So, as long as you stay within your borrowing means, then the loans will not lower your fico score---except for the inital credit check to open the accounts. Also, timely payments are a must...no loan is good for your credit if it isn't being paid on.
