Bad credit makes paying off student loan debt challenging, but it can be done through refinancing or loan consolidation. Borrowers can increase their FICO credit score or get a consigner to improve their chances of being approved.

Many or all of the companies featured provide compensation to LendEDU. These commissions are how we maintain our free service for consumers. Compensation, along with hours of in-depth editorial research, determines where & how companies appear on our site.