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I am looking for a house and intend to buy by the fall. I am a first time home buyer but I am also intending to return to college. Will applying and aquiring a new student loan effect my credit in any/a bad way...is this a bad idea to do this prior to getting approved for a mortgage(i.e.. will a mortgage LO see this as an added risk in anyway even though my income will remain the same as it is currently and the student loan payments will be deferred?). Thanks for any advice.
Assuming they will be deferred for more than 12 months....the only negatives will be the loss of a couple of points for the inquiry and a loss of some points for re-aging your average age of accounts.
Your credit scores seem high enough that the loss of points will still keep you above the 620....