ISA providers typically do not take credit score as a make-or-break factor. Some won"t look at it at all, while others use it as one part of a many-faceted equation. You are more likely to get an ISA with a low credit score than you are with private student loans.\r\rSome ISAs will, however, consider your history with student loans. If you have defaulted on student loans, some providers will not grant you an ISA.