<prompt> Human: Im late on starting to pay my student loans and my credit score dropped 400 points. According to credit karma its because of missed payment on the student loan. Would it really drop it 400 points like that? Or did I have a breach? Any and all help is appreciated.  <response>: If you had a thin history to begin with and then missed some payments, that would do it. Your credit score is designed to tell lenders how likely you are to pay a debt, so missing a payment is one of the worst things you can do to it. 