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  1. Hello, I am new to posting on this board, however I have been reading it frequently as I try to improve my credit as best I can. I feel like I am in an oddly unique situation right now with one of my student loans. Normally, student loans are reported as monthly installment accounts. However a loan I have with a private credit union (graduated in 2017 and started paying in spring of 2018) is showing up as a revolving account? I spoke to a few people who said this is bizarre and not how a student loan should be reported, and because of this I have a 95% utilization ratio
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