The American Capital Journal

debt-to-income ratio

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 score impact

Aug 12, 2026

Can a Personal Loan Reduce Your Student Loan Debt-to-Income Ratio Before a Mortgage?

A personal loan might lower your student loan DTI before a mortgage, but the math is tricky. Learn when it works, when it backfires, and what...

credit score

Jul 29, 2026

How Refinancing Student Loans Affects Your Credit Score and Personal Loan Qualification

Refinancing student loans can temporarily lower your credit score by 5-15 points, but often leads to long-term gains. Learn how it affects personal loan

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