Hi,
I used “Credit Solution” to settle my debt and improve my credit score.They managed to reduce my debt up to 58% .It’s legitimate.I came across this company on NBC News Special Edition.Check it out here:

Yes any loan and cc affects your credit if you don’t pay it on time. You can consolidate your student loan through ezconsolidation.com students loan consolidation program. They are reliable
There are many benefits available for the students as you can extend your payment period upto 30 years and so on.
So consolidating your students loan would be a best option from my point of view

read this mate. It will tell you all

As unfair as it seems, they do lower your score abit. I have a pretty good score, but my student loans have affected it negatively alittle bit. When I asked about it, its because its such a long loan. Like, Sallie Mae gives you 10 years to pay it off. Even though thats not bad because its in agreement with Sallie Mae & that is very normal for a student loan, it counts as “too long to pay off a debt” on a credit score which I think is crazy.

You have the legal right to check your credit report once a year, from each agency, for free. So you could just find out your credit score. Some people check each of the 3 credit score agencies every 4 months, giving them a regular peek at how their credit is doing. Here is the link –

that is a lot of money in student loans. even though you pay your bills on time, just the fact that your overextended can hurt you.