Applying for an MPOWER loan can affect your U.S. credit score in a few ways:

Student with no U.S. credit history: If you’re an international student without an existing U.S. credit history, your MPOWER loan application will not affect your U.S. credit score until you establish credit in the U.S.

Student with credit history available in the U.S.: If you have a credit history available in the U.S., then applying for an MPOWER loan might result in a credit inquiry that could temporarily and slightly decrease your credit score. 

Credit building: Making loan payments timely has a positive effect on your credit history and helps build a strong credit profile. More on how you can improve your credit score with your MPOWER loan.