Shiloh Garcia was blindsided when her bank alerted her that her credit score had dropped from 720 to 620. After looking into further, she found the culprit: she was more than 90 days delinquent on her $16,

Missed student loan payments are now influencing credit scores for the first time in five years. More than 9 million student loan borrowers are expected to see their credit standing significantly diminish in the first quarter of the year because of it,