<prompt> Human: Im a student.I recently got a capital one secured credit card. Their app has a credit tracking feature and I looked at it and it says my credit score is 680. How do I even have a credit score? I read the wiki and I saw this I am a student or graduate who has student loans, and is looking to build credit.Since you already have student loans, you likely already have a decent but short length of history on your file. In this case, I would look at what is generally referred to as a starter card. I thought credit was your payment history. I get credit just from simply getting a loan? Because Im still in school getting loans so I havent even started paying it back yet.  <response>: basically a student loan is a normal loan, that you have a 0 minimum payment on till you get out of school. So according to your credit report, youve had a loan, and been paying what you owe.However you also have a high debt to income ratio, which hurts your score. 