yeah i got fouled up with my student loans, it destroyed my score. what's worse, credit score is important in my line of work cuz we're supposed to be "role models" and they also think that if i have bad credit, its going to affect my decision to lend to others with bad credit. im working at getting it back up but its not an easy process. most people have some sort of stuff on their credit report that they arent too proud of.