Alright, student loans. These wonderful and horrible tools that allow people who can't afford an education to pay for one by simply mortgaging their future. Ah, the American way. If you're one of the unlucky and you've been avoiding doing the leg work and mental work when it comes to consolidating, this is for you.
Knowing your credit score is straight forward. You can sign up for an app like Credit Karma and they'll give you credit score. If you apply for a mortgage, the broker will run your credit and they'll tell you your credit score.
Getting your score isn't the problem, the allusiveness lies in understanding how your credit score is actually calculated. The exact formula used to calculate your credit score is like Coca Cola's secret recipe; it's not public information. We do know that calculation consists of five different elements and the weight or level of impact each elements has.