No, we do not. Instead, we evaluate your program and field of study, as well as historical data from partner schools and student loan borrowers across the country to determine if you qualify for our funding.

It's important to understand that although we don't check your credit score, payments on an ISA can affect your score. If you miss a payment or default on your ISA, you may be reported to credit bureaus. That said, on-time payments can also be reported as positive events to credit bureaus.

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