How much does student loan debt affect your credit score?

Student loan debt is a growing problem in the United States, especially for students in their 20s and 30s.

According to a survey by credit reporting company Equifax, the average student loan borrower in the U.S. owed $23,000 in student loan payments in 2014.

That was up from $18,000 the year before.

Equifax also found that borrowers are now significantly more likely to be underwater on their student loans than they were a decade ago.

As a result, borrowers are paying more on their loans, which has contributed to their credit scores.

The average debt owed by borrowers in their twenties rose from $17,000 to $22,000 between 2014 and 2016.

This year, the number of borrowers who owe more than $22.5 million in student loans is up 13 percent from 2015, according to Equifax.

If you’re under 30, there are fewer borrowers with debt than 20-year-olds.

But that number has been growing.

According the U-S.

Census Bureau, there were 2.5 more borrowers under 30 in 2015 than there were in 2014, and a record 4.4 million borrowers in the 30-49 age bracket.

This is a relatively large number for borrowers, but the debt is starting to impact borrowers’ credit scores in other ways.

For example, borrowers with outstanding student loans in their 30s are less likely to have their credit score taken into account when they apply for credit.

They’re also less likely than those who are in their thirties or forties to have a credit report.

This means that they might not have a full picture of their creditworthiness.

For this reason, the credit scores of borrowers with student loans are also likely to suffer, says Jeff Pate, a professor of financial services at the University of Chicago Booth School of Business.

But borrowers can help protect themselves.

“It is really important for borrowers to be aware of their debt and take the necessary steps to avoid becoming further impacted by the increase in debt that they’re currently burdening themselves with,” he says.

If a borrower’s debt is significantly higher than they should be, they can work to reduce their debt.

If they’re unable to get a mortgage, they might be better off using a home equity line of credit or a line of loans from a financial institution.

However, if a borrower is able to reduce the amount of debt they owe, they may want to consider refinancing their student loan.

If the borrower can reduce the loan by paying off a large portion of their principal and interest and making a down payment, that could reduce their total outstanding debt.

Pate recommends that borrowers take advantage of an early-bird refinancing program, where a lender offers a fixed-rate loan, which typically comes with a lower monthly payment than the traditional fixed-interest rate.

The idea is that borrowers can take advantage in their early 20s, where they have more time to negotiate with lenders about a downpayment.

“We’ve seen a lot of refinancing in this cohort,” he adds.

“There’s a very high percentage of borrowers that actually get the refinancing and actually make the payment, and that’s probably the most important part of refinances.”

If a student loan has an interest rate that’s too high, you may be able to use the federal government’s repayment assistance program, which is available to borrowers who make more than 25 percent of their income on their debt, and can help them make monthly payments.

However; there are other ways to help reduce the total amount of student loan money.

Some borrowers have access to loan forgiveness programs, which provide some or all of the money back to their lender if the borrower has paid their debt off within five years of when they took out the loan.

Some states offer loan forgiveness for existing students, and there are a variety of other repayment options available.

The federal government also offers loans for people who were already receiving student loans at the time of the loan, and are applying for another loan.

You can also get help with paying for your child’s college tuition, if you are eligible.

If there is no other option available, you can apply for federal student loans through the Federal Student Aid Office.

The FSA’s student loan calculator allows you to compare interest rates, repayment options, and other factors with other borrowers.

In the case of federal student loan borrowers, there’s a special rate available that is based on the number and amount of years you’ve been in school.

However if you’re not currently enrolled in school, there is a higher rate that you pay if you attend school.

“If you’re currently enrolled and you don’t have to pay, it’s $1,000 less per year,” says Pate.

For some borrowers, it could be worth paying off their student debt at this point in their lives.

For others, it may not be worth it.

But for many borrowers, a loan forgiveness program may be the best solution for them.

“For some borrowers it

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