The American Capital Journal

credit utilization

Independent research on business lending written by underwriters, not affiliates.

credit score improvement

Sep 9, 2026

Personal Loan Debt Consolidation: A Path to Better Student Loan Refinance APRs

A personal loan for debt consolidation can shift credit utilization, credit mix, and debt-to-income ratio, potentially improving your student loan refinance APR

APR

Aug 26, 2026

Does a Personal Loan to Pay Off Student Loans Affect Credit Utilization and Debt-to-Income Ratio?

A personal loan to pay off student loans doesn't change credit utilization, but it can shift your debt-to-income ratio. Here's what the numbers show.

credit mix

Aug 19, 2026

How a Personal Loan Can Lower Your Student Loan APR Through Credit Score Improvement

A personal loan can improve your credit mix and lower utilization, which may boost your score enough to get a lower student loan refinance APR. Learn

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