As a student I never really thought about my credit rating. When I began paying back my graduate student loan I was not the best at paying them by their due dates. After a year or so I decided to buy my first house and I was stunned when the lender told me that I had poor credit because of some delinquent loan payments that I made way past their due date. I did not even know how to check my credit and now I was stuck having to pay a much higher interest rate on my home loan because I did not know… So make sure you pay your student loans or get a federal perkins loan cancellation!

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