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According to Equifax, student loans are often viewed as “good debt,” since it’s an investment in something that will build value (you hope).

But if you have a high debt-to-income ratio, this could be bad for your credit.

And lets be honest, you can make a lot better use of the money you save than your lender can.

For instance, how much better off would we be if all that extra student loan interest money went instead to charities that help those hit by disaster such as Superstorm Sandy or this week’s Boston Marathon attack.

You’re showing that you’re managing your debt correctly and are able to pay your loan as agreed.

Student loans are often treated as installment plans on your credit report.

If you’re in a low-paying job with a high amount of student loan debt, this could hurt your credit.

Student loans can also negatively affect your credit if you have a high balance that isn’t budging or, with interest, possibly even growing.

When it comes to student loans, the stakes are even higher — without them, some students could never attend school.

If you are considering consolidating your student loans,there are many things to consider.

However, one rule is more important than all the others: Don’t consolidate your federal student loans with your private student loans.

They say there is an exception to every rule and the Golden Rule of Student Loan Consolidation is no different.

If you are 100% certain that you know exactly how much money you will be getting and when you will be getting your money, this exception may work for you.

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