When paid consistently, student loans can raise a person’s credit score to create a positive financial history. If debt results in a higher return than taking on no debt, it’s considered a beneficial investment. Therefore, student loans that pay for an education resulting in a career which can easily manage the debt will lead to a positive outcome. When framed with this in mind, debt is not always a bad thing. However, debt is a drawback if it is excessive and unmanageable.