What's Length of Credit History?
6 min read
Do Student Loans Affect a Credit Score?
7 min read
Last Updated: June 3, 2025
Key Takeaways
- Student loans can affect your credit score in both positive and negative ways.
- When you pay installments on time, every time, you can improve your payment history and help your credit score.
- A late or missed student loan payment can negatively impact your score.
Did you know?
Students: See if you’re Pre-approved
Next steps
Learn about Discover It ® Student Cash Back
See rates, rewards and other info
Learn about Discover It ® Student Chrome
See rates, rewards and other info
You may also be interested in
Was this article helpful?
Was this article helpful?
You are now on a Capital One webpage. Please be sure to review Capital One’s Terms & Conditions and Privacy Notice.