Moderator Emeritus
Posts: 32,880
Registered: ‎08-04-2007
Re: Personal Loan through NFCU

Tufts wrote:

Thank you for your reply. 

I don't know what the TL means but there is no minimum payment for my student loans while in grad school (at least I don't think). I always check myfico credit score and it says all my standing past loans are 'okay'.

TL = tradeline (namely the SLs). Look at the SLs within your credit report. What you want to look for is a field that says "Minimum Payment" or something like that. If it's at $0, then lender's don't know that you'll have a minimum payment down the road. They may ask you to disclose that on your app, but that's a manual review. If there's a payment showing, then they might factor it into your DTI which may or may not be an issue.