Over the course of the next few months, the resumption of student loan payments is likely to change household budgets for over 40 million Americans – one of the most significant changes to their personal finances and since the start of the pandemic.

Data scientists Dr. Andrada I. Pacheco and Ritika Sinha recently joined THE SCORE to discuss VantageScore’s perspectives and insights on how consumer behavior (and by extension, consumer credit scores) might shift in response to the end of the student loan forbearance period.

Dr. Andrada I. Pacheco is Director of Data Sciences at VantageScore. Dr. Pacheco has more than 20 years of experience in the field and utilizes data analysis, statistical modeling, quantitative research, and econometric methods to develop VantageScore credit scoring models so they are more accurate, consistent, stable and inclusive.

Ritika Sinha is a Data Scientist at VantageScore. Ritika uses her analytic experience to understand consumer credit score impact and the result of consumers’ different credit behavior.