re: Student loans on credit report

having a mix of debt is good for your credit score, as long as there are no 30+ day late payments on any of it. an installment loan (like a car), a mortgage, credit cards with 0 balance (avoid the high proportional balance dings), and student loans = the optimal mix.

of course, when you actually go to get a loan, you'll have to show ratios of debt payments to income. but that has nothing to do with score (as it doesn't take into account income at all).