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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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Can a student lender consider my age when deciding whether to give me credit?


Generally, a creditor cannot use your age to make credit decisions.  However, there are exceptions to this rule.

 For example, age can be considered in a valid credit scoring system.  A creditor may also relate your age to other information about you that the creditor considers in evaluating creditworthiness. For example, a creditor may take into account your age in evaluating your lack of job history.

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