How Student Loans Shape Your Credit Score

Episode 20 of The Credit Score Podcast with Fexingo explores how student loans impact your credit score beyond just monthly payments. Lucas and Luna break down the FICO treatment of installment vs. revolving debt, the hidden effect of loan servicers reporting on-time payments, and what happens when loans enter deferment or forbearance. They also discuss why paying off a student loan early can sometimes cause a temporary score drop, and how consolidation or refinancing can shift your credit mix. With a focus on the Class of 2026 entering repayment this fall, this episode offers practical takeaways for anyone managing education debt while trying to build strong credit. Shows like this help listeners make smarter financial decisions — and if today's insights are worth your time, support the show at buy me a coffee dot com slash fexingo. #StudentLoans #CreditScore #FICO #ClassOf2026 #InstallmentDebt #CreditMix #LoanRepayment #Deferment #Forbearance #DebtConsolidation #Refinancing #Finance #PersonalFinance #FexingoBusiness #BusinessPodcast #CreditPodcast #LoanServicers #CreditHistory Keep every episode free: buymeacoffee.com/fexingo