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• It is a subject that few people discuss, but more and more therapists are talking about it – the key link between our emotions and our money. We may think that money is all about our rational selves, but in fact our emotions are often very much invested in our pocket books.

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• Debt is a major factor in your credit score. If you have too much of it (or none at all) or if you have trouble repaying your debts on time, your credit score will plummet. Keeping your debts reasonable and paid, on the other hand, will do more than almost anything else to improve your credit score. Here are a few tips that can ensure that your debts actually help you boost your credit score:

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• Tip #86: Make learning about money a priority

• Whether you attend information sessions at the financial aid office, read about money in books, or meet with your bank’s financial officers, learning how to manage your money is an important part of school life. For many students, their time away from home is one of the first times they are responsible for finances – including bills. Learning to handle this responsibility well early on in life ensures that you will enjoy a good credit standing your whole life. Learning about money will also help you prevent costly credit mistakes.

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• Tip #83: (Almost) never default on a student loan

• Many students think that defaulting on a student loan after graduation is a smart way to get rid of a debt. After all, they no longer need the money for school and in fact need the money for settling into a job and new home.

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• Students are increasingly worried about credit and credit scores – and for good reason. Student debts are rising and the numbers of students who leave school with ruined credit scores is rising as well. Many experts blame larger credit card debts and rising tuition costs (that lead to larger student loans).

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• Tip #77: Set aside a regular day, time, and place for paying bills

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• Make Credit Repair Easier on Yourself

• Credit repair is no picnic. It requires continual work and effort to get a good credit score and to improve a bad one. In today’s busy life, you stand a much better chance of getting a better credit score if you make it as easy on yourself as possible.

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• Loans and Your Credit Score

• Loans affect your credit score more than almost any other item on your credit report. The types of loans you have, how long you have had loans, the amounts you owe and your payment history on your loans has one of the biggest impacts on your credit score. If you can control your loans, you can boost your credit score. There are a few tips that can get you well on your way to painlessly managing your loans:

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• Tip #63: Set short-term goals and do frequent credit self-checks in order to track your progress

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• Tip #60: Talk to lenders and creditors

• Many people are hesitant to keep an open line of communication with their lenders because they are embarrassed about their financial state or because they feel unsure about the position.

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