SCORING CITIZENS BY THEIR WORTHINESS TO CREDIT

you cant buy anything unless you have a good credit score. It is the equivalent to a jewish system over the goy. Only the most shabbogoyim will have access to housing and cars, the rest of us cash payers must suffer.

1 niggers don't care about their credit scores
2 niggers don't repay their loans and trash their credit scores
3 niggers care about their credit scores

You still had to declare your other debts. To your credit, lying was allowed as long as you paid everything on time.
It's a log of what you have borrowed. A list of debt, car, house, student. The score part is meaningless.

student loans have always been treated differently because they can't be discharged in bankruptcy like other debt can

You get a credit card with 25% apr drown in debt to get good credit basically buying credit. When you get a loan from a bank they will report to the credit bureau if you are late on payments or default on the loan but they will not report when you make every payment on time and pay off the loan, it's a jewish shitty nigger fucked system.

No. Only the about 90% of small loans are on it. I don't honestly understand how mine is 'Good'.

It's also financial black magic. It's a metric determined by a bunch of oddball rules that are purposely kept private, and seem to try to fuck everyone into the worst possible loans.

correlation with white people %

Purely socioeconomic factors at play.

i simply never buy anything on credit

Also oddly enough correlation with suicide percentages.

>can't be discharged in bankruptcy like other debt can
So the state picks up the tab for niggers to attend universities and sell drugs?

it's not for niggers, niggers almost always get free-schooling from the numerous scholarships and programs that are put in place to negate their niggerdom.

I'm thinking the way you improve it, is by paying in cash. Haven't had a phone in 5 years and pay for all my bills in cash, including internet. Somehow, they still track it. It's over a trillion dollar industry.

So the federal loans are for androgynous "white" horrors to learn gender pronouns and Mazlow's pyramid?

When i got out of prison i had like 814 credit score

That's because they're not secured by collateral that can be repossessed like a car or a house. Credit cards are also unsecured but the credit granter gets to pick how much credit they're comfortable with giving you, which for most 18 year olds, it far far less than a student loan. Some even require you to deposit money in an account and that is your "credit" limit.
We should go back to when the government wasn't involved in student loans at all. No loan guarantees or anything. Let them be discharged in bankruptcy and only issued by private lenders who will access the probability that the student will repay the loan and thus loan accordingly. Most gender study majors will have to figure out how to make $500/year cover their costs.

>Let them be discharged in bankruptcy
That doesn't really work. Your car can be repossessed. How do you take away someone's education?

FHA gives out mortgages to those with credit scores as low as 500. Conventional mortgages start at 640 for most lenders, so the average person in every state on that map would easily qualify. Credit scores are only an issue for those who have demonstrated they're deadbeats or those who have just turned18 and are an unknown risk. If this sounds bad to you, I suggest you become rich by lending your money out to people with low credit scores to prove the actuaries wrong.

That's the point. Student loans would cease to be a thing because it's a bad risk.

>credit is a good thing