Obtain your FICO score for Free
Content added July 23, 2025
You can obtain your FICO score for free directly from MyFICO.com( this provides your score from Equifax, not a full credit report). Beyond just the score, their website offers fantastic educational resources to help you understand credit better.
A FICO Score is a three-digit number based on the information in your credit reports. It helps lenders determine how likely you are to repay a loan. This, in turn, affects how much you can borrow, how many months you have to repay, and how much it will cost (the interest rate).
When you apply for credit, lenders need a fast and consistent way to decide whether or not to loan you money. In most cases, they'll look at your FICO Scores.
Student Debt & Bankruptcy Information
Content updated Aug. 12, 2025
Bankruptcy is an important financial tool with some weighty consequences, and the decision to file bankruptcy is serious. Under federal law, you have the right to declare bankruptcy relief from your creditors, which can include student debt. But this comes at the cost of hurting your credit for several years and racking up legal and court fees along the way. Student loan bankruptcy discharge is also more complicated and has more restrictions than discharging other forms of debt.