person A: I forgot to make my student loan payment this month.
person B: Ah_comma_ that's unfortunate. That can be really tough to remember sometimes. I know because I've forgotten that too. But you'll make it up as soon as you can_comma_ I'm sure!
person A: I'm scared it will affect my credit score.
person B: As long as it's not too delinquent_comma_ and you have an otherwise good history of on-time payments_comma_ you should be okay! Try talking to your loan servicer_comma_ too. They can help.