The American Capital Journal

personal loan

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

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 impact

Aug 5, 2026

How a Personal Loan for Debt Consolidation Impacts Your Credit Score During Student Loan Forbearance

Wondering how a personal loan for debt consolidation affects your credit score during student loan forbearance? Learn about the credit score mechanics

APR

Jul 22, 2026

How to Use a Personal Loan to Pay Off Student Loans Without Hurting Your Credit Score

Learn how to use a personal loan to pay off student loans without damaging your credit score. This guide covers lender selection, payment timing, and

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