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    Does consolidating student loans help credit score

    Lenders and creditors won’t trust that you can pay back your debts.

    You either won’t get approved for loans and lines of credit or you’ll face really high interest rates and harsh terms.

    Your choice of whether to make payments right away or wait until after graduation makes a big difference in the answer to this question. You should see a separate account for each semester that you borrowed money to fund tuition, room, and board. Student loans will show up on your credit report while you are still in school.

    Once I graduated and started working, the amount of money I owed became all too real when my student loans steadily chipped away at my salary.

    The original principal amount will appear on your consumer file shortly after the money disburses.

    Each account will also display a unique open date, which corresponds with the semester that you borrowed the money.

    Federal student loans –whether they’re subsidized or unsubsidized –do not require a good credit score when you take them out.

    Since these loans are usually taken out by young students, you don’t even need a credit history to qualify for the money you need.

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