https://ficoforums.myfico.com/t5/Student-Loans/Prepping-for-Sallie-Mae-Application/m-p/6610239#M30345 <P>I'd like to know what credit score Sallie Mae requires.&nbsp; I'm trying to time my application correctly.&nbsp;&nbsp; I have a low-interest card that's at 50% usage and one is a 0% Apple card at 70% utility.&nbsp; My overall credit usage is 30% over 10 cards.&nbsp; Also, I have 4,000 in DOE Student loans.&nbsp; My plan is to pay down the card with the largest balance to below 30% to get a nice pop on my credit, then apply to Sallie Mae.&nbsp; I'd like advice on whether I should pay the Apple card down below 30% as well or does it matter since my balance is only $2000 of a $3000 card?</P> Mon, 31 Oct 2022 17:11:43 GMT Luxeedee 2022-10-31T17:11:43Z https://ficoforums.myfico.com/t5/Student-Loans/Prepping-for-Sallie-Mae-Application/m-p/6610239#M30345 <P>I'd like to know what credit score Sallie Mae requires.&nbsp; I'm trying to time my application correctly.&nbsp;&nbsp; I have a low-interest card that's at 50% usage and one is a 0% Apple card at 70% utility.&nbsp; My overall credit usage is 30% over 10 cards.&nbsp; Also, I have 4,000 in DOE Student loans.&nbsp; My plan is to pay down the card with the largest balance to below 30% to get a nice pop on my credit, then apply to Sallie Mae.&nbsp; I'd like advice on whether I should pay the Apple card down below 30% as well or does it matter since my balance is only $2000 of a $3000 card?</P> Mon, 31 Oct 2022 17:11:43 GMT https://ficoforums.myfico.com/t5/Student-Loans/Prepping-for-Sallie-Mae-Application/m-p/6610239#M30345 Luxeedee 2022-10-31T17:11:43Z