I'd like to know what credit score Sallie Mae requires. I'm trying to time my application correctly. I have a low-interest card that's at 50% usage and one is a 0% Apple card at 70% utility. My overall credit usage is 30% over 10 cards. Also, I have 4,000 in DOE Student loans. 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. 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?
