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It is important for you to know that your credit score may ultimately be affected by the actions taken by a lender. If you fail to repay your cash loan by the time it is due, your lender may go ahead and report the delinquency to one or more of the aforementioned credit reporting agencies, and as a result, cause your credit rating to be impacted in an adverse manner. We always encourage consumers burdened by credit problems to consult a professional credit counselor. [link widoczny dla zalogowanych] Alaska Commission on Post Secondary Education runs a similar program for state students. To borrow from the AlaskAdvantage program, you’ll need a cosigner and a FAFSA on file. Eligible borrowers enjoy fixed interest rates around 7%. Money in 2 Easy Steps