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FinAid, Loans, Credit Scores Credit agencies Credit agencies The recency, frequency and severity of credit activity also have an impact. How do Federal Student Loans use Credit Scores? The Stafford, Perkins and PLUS loans do not depend on your credit score. The Stafford and Perkins loans are available entirely without regard to your credit history. The PLUS loan, however, requires that the borrower not have an adverse credit history. An adverse credit history is defined as being more than 90 days late on any debt or having any Title IV debt within the past five years subjected to default determination, ...