Is each school loan inquiry a hard pull?

[Azza]

Hi there. While shopping for student loans, will each check be a HP on my CR?

If so, I am not very excited about a half dozen HPs, lol. Thanks o/

[calyx]

IIRC - Federal student loans do not have credit checks.

[pizzadude]

That's my understanding as well, most federal student loans don't require a credit check. 

If you're shopping for private student loans, then yes they will pull your credit. 

[yoshee08]

Student loans are similar to auto loans and mortgages. If some within about a 14 day window, they will count as one inquiry.

[Duke_Nukem]

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@calyx wrote:

IIRC - Federal student loans do not have credit checks.

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Direct PLUS loans (for Graduate or Doctorate students) do require a credit check, but the undergrad loans don't require a HP.

My DD and her husband get hit with a single HP on 1 of the CRA's (can't remember which one, but I believe it is EQ) every Summer for their upcoming year in their doctorate programs.  That one HP is good for all loans that entire scholastic year.

[calyx]

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@Duke_Nukem wrote:

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@calyx wrote:

IIRC - Federal student loans do not have credit checks.

---

Direct PLUS loans (for Graduate or Doctorate students) do require a credit check, but the undergrad loans don't require a HP.

My DD and her husband get hit with a single HP on 1 of the CRA's (can't remember which one, but I believe it is EQ) every Summer for their upcoming year in their doctorate programs.  That one HP is good for all loans that entire scholastic year.

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Thanks for the clarification!  My mind always defaults to undergrad.