I recently had my student loans put in deferment status because I'm a SAHM (no income) and DH wasn't working much. We needed a little extra help. We also just applied for an overdraft line of credit at the credit union, and the guy told us our credit scores (since we asked). I was surprised that mine was so much lower than DH's since we pretty much have the same stuff (mostly joint accounts). I had filed a dispute about another matter, and while looking over the report I see that my student loans list as being in deferment. I was just wondering if that would lower my credit score. I didn't think to ask the rep from the student loan company about it when I applied for the deferment.