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Private education loans are credit-based loans. The decision by the lender will be based on the credit history of the applicant or co-applicant(s), as pertinent. You can obtain a free copy of your credit report once annually from one of the three credit reporting agencies. For more information visit AnnualCreditReport.com.

Similarly, you can access complete data on your federal student loan history from the National Student Loan Data System (NSLDS). Data on federal student loans are reported to credit reporting agencies and maintaining a good repayment history is integral to protecting your credit worthiness.