https://ficoforums.myfico.com/t5/Student-Loans/Consolidation/m-p/2346869#M12923 <P>I am finally out of school and consolidating like 12 student loans (can't remember exact number off my head). The oldest dates back to 1998. Yes, I've been going off and on 3/4 time or full time some semesters, taking breaks some in between while working full-time.</P><P>&nbsp;</P><P>Do anyone know if consolidating will help my credit score? I've already applied for it, regardless... just wondering how my score might change if I go from 12 installment&nbsp; loans to 1.</P><P>&nbsp;</P><P>Thanks!</P> Mon, 05 Aug 2013 20:50:02 GMT mashdun 2013-08-05T20:50:02Z https://ficoforums.myfico.com/t5/Student-Loans/Consolidation/m-p/2346869#M12923 <P>I am finally out of school and consolidating like 12 student loans (can't remember exact number off my head). The oldest dates back to 1998. Yes, I've been going off and on 3/4 time or full time some semesters, taking breaks some in between while working full-time.</P><P>&nbsp;</P><P>Do anyone know if consolidating will help my credit score? I've already applied for it, regardless... just wondering how my score might change if I go from 12 installment&nbsp; loans to 1.</P><P>&nbsp;</P><P>Thanks!</P> Mon, 05 Aug 2013 20:50:02 GMT https://ficoforums.myfico.com/t5/Student-Loans/Consolidation/m-p/2346869#M12923 mashdun 2013-08-05T20:50:02Z https://ficoforums.myfico.com/t5/Student-Loans/Consolidation/m-p/2348153#M12925 The old loans will stay on your report for about 10 years, and the new loan will affect your average age of accounts and give you a new account ding for a while. Overall, the impact should be minimal, especially since you have older loans to anchor your AAoA, but it will negative at first and grow positive as you make payments on time. Tue, 06 Aug 2013 03:28:49 GMT https://ficoforums.myfico.com/t5/Student-Loans/Consolidation/m-p/2348153#M12925 SCF 2013-08-06T03:28:49Z