Credit Cards vs. Student Loans: Which Is Better?

December 3, 2025 – In a Credible article about what is better credit cards vs. student loans to cover school expenses, Stacey MacPhetres, senior director of education finance at EdAssist by Bright Horizons, shares advice on the topic. 

“Both student loans and credit cards can impact an overall credit history and credit scores, but they do so in different ways due to their structure and how credit scoring models treat them,” says Stacey MacPhetres, senior director of education finance at EdAssist by Bright Horizons. “Student loan debt helps build credit history, but balances do not directly impact credit score, whereas high credit card balances (utilization) can lower a credit score.”

Read the full article here.