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Courtney Alev, consumer advocate at Credit Karma, said it’s understandable that people have missed payments because of the mixed messages around student loans.

If you have a $10,000 credit limit each month, and you use $2,000, that’s a 20% credit utilization. An easy rules of thumb to remember is to keep your utilization below 30%.

If you have a $10,000 credit limit each month, and you use $2,000, that’s a 20% credit utilization. An easy rules of thumb to remember is to keep your utilization below 30%.