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Messages - sarahowens92

Hello everyone!

I just graduated in December and have 45,000 of student loan debt. I would like to do an income-driven repayment plan but when I chose this plan it negatively affected my credit because the interest was higher than the payment and my debt was going up. I know that a lot of people choose this option and live a good life so how do I make low payments without it bringing my credit score down?

Thank you!