It actually helped our credit a bit once we were completely off. On the program, we paid little or no interest, so the balances went down quickly. When we were paying on our own, we were late and high interest made the balances stay the same. Our credit score while on the program was mid-500's (same as when we started), once we were off, it went up to mid 600's almost right away- still not the best, but quite an increase.
Michelle -mom to Katlyn 4/00 , Jake 3/02, and Seth 5/04