Of the three main types of student loan options: Stafford, Parent PLUS, and Private Education Loan, parents’ credit scores play a large part in all but Stafford. Lending institutions have become more stringent on their lending practices for student financial aid. Like everything else in the loan industry, lenders are taking a hard look at applicants’ credit scores in order to rate the safety of the loan. The better the credit score, the better the loan rate, and the better the chances of getting that loan you need. But what makes up the credit score? And how can you improve your score?