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Mine is 643 and it’s about the same. It’s almost impossible to do anything with student loan debt.
Soooooooo freaking frustrated
You are not alone! It is really frustrating. So many of us, and almost all the homebuyers we work with, are working on student debt.
Here’s the good news: of all the factors involved in buying a home, credit score is the one that many folks can make big improvements on within a relatively short time period. Everybody’s situation is different, but there may be some small and concrete things you can do to get your score moving in the right direction.
The National Foundation for Credit Counseling has free certified credit counselors you can talk to for more details: https://www.nfcc.org/
In addition, as consumers, every year we are entitled to one free copy of our credit report. I just got mine for the year -- I think it can be a helpful practice to review your report in depth and see if everything is as it should be. You can learn more here: https://www.ftc.gov/faq/consumer-protection/get-my-free-credit-report
Note I am not a financial advisor I recommend seeking advice from a licensed financial professional