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Credit is an increasingly important part of medical student financial life. There are stories of students seeking loans and finding that their adverse credit ratings preclude their eligibility. This is particularly true of students who have been working for some years, but even in college it is possible to have developed a bad credit rating.

Limiting the amount of credit used is the most important strategy. One credit card is enough and bills should be paid on time. Charging more than can be paid in one month is a bad habit and can lead to problems as the interest accrues. Additional financial aid will not be awarded to pay off debts. Students are responsible for any debts incurred prior to matriculation at the School of Medicine .

If a student cannot obtain a loan because of a negative credit rating, School of Medicine funds will not be awarded to replace that loan. Therefore it is recommended that you obtain a copy of your credit report before matriculation to ensure that all information being reported is correct. Login to to obtain free credit reports, resolve any errors and review one of the three available reports quarterly. If you've been denied credit within the past 30 to 60 days, you may obtain a credit report free of charge.