While your credit score is not a factor in determining your eligibility or setting your terms, your credit score might be affected if you're approved. Upon completing your application on your dashboard, or team will perform a hard credit inquiry to check for past defaults and bankruptcies, and get a better look into your outstanding student loans.

In addition, positive payment behavior, like making payments on time, may be reported to credit bureaus. Negative behavior, like missing a payment, or defaulting on your ISA, may also be reported to credit bureaus.

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