We both went back to school late in life, I went for additional degree needed for salary advancement and my husband for a full career change. My husband had bankruptcy and foreclosure (before I knew him) right before going back to school but it didn’t prevent him from getting student loans. Did you try to borrow from department of education, not private loans? We both still have student loans and we are 55, no end in sight but neither had issue borrowing. I feel like department of education wants you to keep borrowing. And they don’t care about your credit. Not like those private guys

I hear you about credits. None of it makes sense. My “favorite” thing is when you lease a car your score drops. You could be leasing same type of car every three years and using the same financial institution and it drops every time. Then it takes a year to get it back up. Ridiculous