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Here's how student loans affect your credit score

The Wall Street Journal looks at the debate around student debt and home ownership, noting that student debt is at historic highs and home ownership among under-35s at historic lows.

This is the most interesting chart from the WSJ article:

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From 2004 until about 2009, student loan debt didn't make a big difference one way or the other on your credit report if you were in your late 20s. But since the beginning of the financial crisis there's been a sharp divergence — and it's because scores of those without debt are climbing.