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You can find the best personal loans here. Your age must be between 18 and In order to do so, borrowers much no longer be enrolled in school. Likewise, if your only credit account is a student loan, opening a credit card might help your score. The CFPB recommends asking credit counseling companies about setup or monthly fees before you work with the company. More MagnifyMoney readers have chosen SoFi than any other lender. Whether you take out a student loan or something else, a new credit account can lead to a dip in your credit score for several reasons.

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