If I decide to go back to school, I may need to take out additional loans to cover the costs, as Stafford loans may not fully. If I take out an "alternative student loan" from a credit union, or a bank, how will those show on my credit report? It was my understanding that traditional student loans don't really affect much (unless you don't pay them!) one way or the other. (Except for your Debt to Income ration when you go to buy a house, assuming they're in repayment.) Can someone in the know clarify this, if I'm mistaken? Thnaks!