 TITLE: How Much Can I Borrow in Student Loans? CONTENT: Impacts on Credit\n-----------------\nAny type of debt will have an effect on your credit reports and your credit scores. Credit scoring companies consider your payment history, debt load and the size of your monthly obligation when calculating your credit scores, so how you manage your student loan payments can have a direct effect. Even if your student loans are in deferment, the total amount you owe makes a difference. It can affect whether you'll be able to get a mortgage, vehicle loan or credit card later on.  \nMissing a student loan payment can have a serious impact on your credit. On-time payments make up 35% of your FICO® Score☉ , and a delinquency stays on your credit report for seven years. END