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That credit score might be a problem...TX and AZ are going to be lower cost of living, but if you're planning on getting a mortgage and you want to put 20% down, I might wait until you bump up your credit.
Thanks! After analyzing my credit report, I realized the student loans are the only negative thing really (in default) — once the $10k is forgiven, I will only owe $8k which my dad will then promptly pay. I understand my score will drop temporarily due to one of my oldest accounts will be closed but should bounce back after a few months. Can’t wait to get the score up so I can get pre approved!