<prompt> Human: I am trying to move out in a few months but my credit just fell from 720 to 620 when all my student loans came through in January. I have never missed a single payment in my life, and aside from these student loans have very little credit history. Is this to be expected from student loans and is there a way for my credit to increase back to normal? The loans are drastically hurting my credit despite them not being due.  <response>: The easiest way to increase your credit score is to get older. 