Home buyers may face surprise credit hit from student loans

A delinquency from unpaid student loans may mean putting homebuying plans on hold, but it doesn’t have to sink them.

Loan obligation and repayment, financial concept : Closeup of a stopwatch with the word LOAN. Depicting timely loan repayment to reduce interest accrued, maintain good credit score and credit history. — (credit: William_Potter/iStock/Getty Images Plus)

By Nerdwallet | wordpress@medianewsgroup.com | NerdWallet

UPDATED: April 23, 2025 at 10:30 AM PDT

Borrowers facing delinquency could see their credit scores drop by 150 points or more.

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Originally Published: April 23, 2025 at 10:13 AM PDT

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