Will starting to pay deferred student loans affect credit scores?

Paying off any debt will help your credit score if the payments were on time I can't estimate how much your score would improve. I don't know your current score, and each credit bureau uses a differrent formula Paying off this debt WHILE IN DEFERMENT will probaly help you in the long run because it will decrease your debt/income ratio. In the short run deferment means you are not required to pay, so for the greatest impact, you will probaly have to call your lender and request your loan be placed back into a repayment status in order for your payments to impact your credit positively and monthly.

Otherwise, it is not really considered true credit history you are establishing if you are not even required to pay.

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