{"id":9,"date":"2013-09-13T17:40:17","date_gmt":"2013-09-13T17:40:17","guid":{"rendered":"http:\/\/stagewp.westernu.edu\/financial?page_id=9"},"modified":"2024-03-28T18:53:25","modified_gmt":"2024-03-28T18:53:25","slug":"credit","status":"publish","type":"page","link":"https:\/\/stagewp.westernu.edu\/financial\/loan-counseling\/credit\/","title":{"rendered":"How Credit Affects Loans"},"content":{"rendered":"<section class=\"hero-secondary\">\n  <div class=\"relative bg-black\">\n                <img decoding=\"async\" class=\"adhere object-cover\" src=\"\" srcset=\"\" sizes=\"100vw\" alt=\"\">\n      <div class=\"adhere gradient-overlay\"><\/div>\n        <div class=\"relative container pt-56 md:pt-112 pb-144 md:pb-192\">\n      <div class=\"md:flex md:justify-between px-12\">\n        <div class=\"sm:w-8\/12 md:w-6\/12 xl:w-5\/12 px-12\">\n                      <div class=\"mb-20\">\n              <div class=\"block font-sans font-bold text-14 text-white leading-130\">\n  <span class=\"inline-block\">\n    <a href=\"\/\" class=\"block hover:underline\">WesternU<\/a>\n  <\/span>\n      <span class=\"inline-block mx-6\">\/<\/span>\n          <a href=\"https:\/\/stagewp.westernu.edu\/financial\" class=\"inline-block hover:underline\">Financial Aid<\/a>\n          <span class=\"inline-block mx-6\">\/<\/span>\n      <a href=\"https:\/\/stagewp.westernu.edu\/financial\/loan-counseling\/\" class=\"inline-block hover:underline\">Federal Direct Loan Program &amp; Counseling<\/a>\n    <span class=\"inline-block mx-6\">\/<\/span>\n    <span class=\"inline-block\">Heading Text<\/span>\n  <\/div>            <\/div>\n                                        <h1 class=\"t-h1-sans  text-white\">Heading Text<\/h1>\n        <\/div>\n              <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n<section class=\"relative my-48 md:my-72\">\n  <div class=\"container\">\n    <div class=\"lg:flex px-12 lg:justify-start\">\n              <div class=\"w-full lg:w-5\/12 2xl:w-4\/12 -mt-80 md:-mt-112 mb-48 px-12 lg:pr-32\">\n                              <nav class=\"py-28 px-40 2xl:px-64 rounded-5 md:rounded-8 bg-gray-darker text-white mb-40\">\n            <ul>\n                                              <li class=\"block my-8\">\n                  <a class=\"text-22 font-normal leading-130 tracking-20 text-white hover:text-yellow transition-default\" href=\"https:\/\/stagewp.westernu.edu\/financial\/loan-counseling\/\" target=\"_self\" rel=\"noopener\">Federal Direct Loan Program &amp; Counseling<\/a>\n                <\/li>\n                                              <li class=\"block my-8\">\n                  <a class=\"text-22 font-normal leading-130 tracking-20 text-white hover:text-yellow transition-default\" href=\"https:\/\/stagewp.westernu.edu\/financial\/loan-counseling\/credit\/\" target=\"_self\" rel=\"noopener\">How Credit Affects Loans<\/a>\n                <\/li>\n                                              <li class=\"block my-8\">\n                  <a class=\"text-22 font-normal leading-130 tracking-20 text-white hover:text-yellow transition-default\" href=\"https:\/\/stagewp.westernu.edu\/financial\/loan-counseling\/financial-loans-university\/\" target=\"_self\" rel=\"noopener\">University Loans<\/a>\n                <\/li>\n                                              <li class=\"block my-8\">\n                  <a class=\"text-22 font-normal leading-130 tracking-20 text-white hover:text-yellow transition-default\" href=\"https:\/\/stagewp.westernu.edu\/financial\/loan-counseling\/financial-loans-department-education\/\" target=\"_self\" rel=\"noopener\">Department of Education<\/a>\n                <\/li>\n                                              <li class=\"block my-8\">\n                  <a class=\"text-22 font-normal leading-130 tracking-20 text-white hover:text-yellow transition-default\" href=\"https:\/\/stagewp.westernu.edu\/financial\/loan-counseling\/financial-loans-department-health\/\" target=\"_self\" rel=\"noopener\">Health &amp; Human Services<\/a>\n                <\/li>\n                                              <li class=\"block my-8\">\n                  <a class=\"text-22 font-normal leading-130 tracking-20 text-white hover:text-yellow transition-default\" href=\"https:\/\/stagewp.westernu.edu\/financial\/loan-counseling\/historical-lender-information-list\/\" target=\"_self\" rel=\"noopener\">Historical Lender Information\/List<\/a>\n                <\/li>\n                                              <li class=\"block my-8\">\n                  <a class=\"text-22 font-normal leading-130 tracking-20 text-white hover:text-yellow transition-default\" href=\"https:\/\/stagewp.westernu.edu\/financial\/loan-counseling\/financial-entrance-counseling\/\" target=\"_self\" rel=\"noopener\">Entrance Counseling &amp; Institutional Requirements<\/a>\n                <\/li>\n                                              <li class=\"block my-8\">\n                  <a class=\"text-22 font-normal leading-130 tracking-20 text-white hover:text-yellow transition-default\" href=\"https:\/\/stagewp.westernu.edu\/financial\/loan-counseling\/financial-exit\/\" target=\"_self\" rel=\"noopener\">Exit Counseling<\/a>\n                <\/li>\n                                              <li class=\"block my-8\">\n                  <a class=\"text-22 font-normal leading-130 tracking-20 text-white hover:text-yellow transition-default\" href=\"https:\/\/stagewp.westernu.edu\/financial\/loan-counseling\/internationaldaca-students\/\" target=\"_self\" rel=\"noopener\">International\/DACA Students<\/a>\n                <\/li>\n                                              <li class=\"block my-8\">\n                  <a class=\"text-22 font-normal leading-130 tracking-20 text-white hover:text-yellow transition-default\" href=\"https:\/\/stagewp.westernu.edu\/financial\/loan-counseling\/repay-loan\/\" target=\"_self\" rel=\"noopener\">Repaying Your Student Loans<\/a>\n                <\/li>\n                                              <li class=\"block my-8\">\n                  <a class=\"text-22 font-normal leading-130 tracking-20 text-white hover:text-yellow transition-default\" href=\"https:\/\/stagewp.westernu.edu\/financial\/loan-counseling\/grad-plus-loan-denials\/\" target=\"_self\" rel=\"noopener\">Grad PLUS Loan Denials<\/a>\n                <\/li>\n                          <\/ul>\n          <\/nav>\n                            <\/div>\n      \n      \n                  \n                  \n      <div class=\"w-full px-24 wysiwyg-content lg:w-7\/12 2xl:w-7\/12\">\n        <h2>How Does Credit Affect my Loans?<\/h2>\n<p>Many students use the Grad PLUS or private education loans to fill the gap between the actual cost of attending graduate or professional school, minus the amount of federal aid you are receiving. Therefore it is extremely important to maintain a good credit history so that you can borrow the Grad PLUS or private educational loans you may need for a portion of your graduate or professional school costs. The information in your credit report may have a substantial impact on your eligibility to obtain Grad PLUS or private alternative loans.<\/p>\n<p>Before you apply for the Grad PLUS or private alternative loan it would be wise to request your credit report from one of the national credit agencies. It is important to know what your credit says about you, there may be adverse or negative information that may or may not be correct so it is important to know what your credit says prior to applying for a loan.<\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n<section class=\"my-48 md:mt-96 md:mb-72\" vue-app>\n  <div class=\"container\">\n    <div class=\"app-gutter\">\n      <div class=\"relative md:flex md:justify-end\">\n        <div class=\"app-gutter\">\n                                  <img decoding=\"async\" class=\"md:absolute md:-top-32 md:left-0 w-full md:w-5\/12 lg:w-6\/12 h-240 sm:h-320 md:h-full object-cover rounded-t-5 md:rounded-8\" src=\"\/media\/financial\/images\/080918-pa-students-white-coats-04.jpg\" srcset=\"\" sizes=\"(min-width: 768px) 50vw, 100vw\" alt=\"PA students white coats\">\n                  <\/div>\n        <div class=\"md:w-8\/12 xl:w-7\/12 app-gutter\">\n          <div class=\"p-32 sm:p-40 md:px-0 md:py-80 rounded-b-5 md:rounded-8 bg-red\">\n            <div class=\"md:ml-1\/8 lg:ml-1\/4 xl:ml-1\/7 md:px-40 lg:px-80\">\n                              \t\t\t\t\n<div class=\"text-lockup text-lockup--red\">\n\t<h2>\n\t\t\t\t\t<span class=\"t-h2-serif  block text-yellow\">What Kind of <\/span>\n\t\t\t\t\t\t\t<span class=\"t-h2-sans  block text-white\">Credit Do I Need?<\/span>\n\t\t\t<\/h2>\n\t\t\t<div class=\"wysiwyg-content t-p2 mt-24 text-white\">Graduate PLUS and private alternative loan borrowers cannot have an adverse credit history, which includes: 60, 90 days or more delinquency on any debt, or having a credit report that shows default, discharge, foreclosure, repossession, tax lien, wage garnishment or write-off of a Title IV debt during five years preceding the date of the credit report.<\/div>\n\t\t<\/div>\n                          <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"relative my-48 md:my-72\">\n  <div class=\"container\">\n    <div class=\"lg:flex px-12 lg:justify-center\">\n      \n      \n                  \n                  \n      <div class=\"w-full px-24 wysiwyg-content xl:w-10\/12 2xl:w-9\/12\">\n        <blockquote><p>NOTE: Graduate and Professional Student PLUS loans do not use any kind of a debt-to-income ration or FICO score, unlike private education loans.<\/p><\/blockquote>\n<p>If you are not approved for a Grad PLUS or private alternative loan you will need to get a co-signer. A co-signer agrees to the responsibilities of a credit application with you, which basically means they take on the liability for your debts. Your co-signer must be a US citizen or permanent resident and credit worthy.<\/p>\n<blockquote><p>NOTE: The consequences however for not being able to obtain the Grad PLUS loan or private alternative loan on your own or with a co-signer could impact your ability to have the funds necessary for living expenses, as your Direct Unsubsidized loan(s) does not cover your entire budget amount.<\/p><\/blockquote>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n\n\n\n\n\n<section class=\"relative my-48 md:my-72\" vue-app>\n  <div class=\"container\">\n        <app-accordion class=\"px-24 lg:w-4\/5 mx-auto\">\n              <app-accordion-item class=\"accordion-group block leading-1 opt-1\" content-class=\"accordion-group__panel wysiwyg-content\">\n          <template #accordion-trigger=\"{ href, visible, setRef, clickHandler }\">\n            <a :href=\"'#' + href\" \n              :ref=\"setRef\"\n              :class=\"['accordion-group__button scroll-mt-160', {'accordion__trigger_active': visible}]\"\n              @click.stop.prevent=\"clickHandler\"\n            >\n            <span class=\"block py-10\">\n              Your Credit Score\n            <\/span>\n            <span class=\"accordion-group-icon relative flex w-56 h-56 ml-20 justify-center items-center bg-black rounded-full flex-shrink-0\">\n                            <span class=\"w-16 icon-chevron-down\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><!--!Font Awesome Free 6.6.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free Copyright 2024 Fonticons, Inc.--><path d=\"M233.4 406.6c12.5 12.5 32.8 12.5 45.3 0l192-192c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L256 338.7 86.6 169.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l192 192z\"\/><\/svg>\n              <\/span>\n              <span class=\"w-16 icon-chevron-up\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><!--!Font Awesome Free 6.6.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free Copyright 2024 Fonticons, Inc.--><path d=\"M233.4 105.4c12.5-12.5 32.8-12.5 45.3 0l192 192c12.5 12.5 12.5 32.8 0 45.3s-32.8 12.5-45.3 0L256 173.3 86.6 342.6c-12.5 12.5-32.8 12.5-45.3 0s-12.5-32.8 0-45.3l192-192z\"\/><\/svg>\n              <\/span>\n                          <\/span>\n            <\/a>\n          <\/template>\n          <template #accordion-content>\n            <p>Credit scoring is a quick, accurate and consistent method of determining the likelihood that you will repay your loans. It is an evaluation tool that determines how well you will manage credit, relative to other borrowers, based on your past credit performance.<\/p>\n<p><strong>Some examples of negative factors that affect the credit score are:<\/strong><\/p>\n<ul>\n<li><strong>serious delinquencies or collection accounts<\/strong><\/li>\n<li><strong>proportion of revolving balances to revolving credit limits is too high<\/strong><\/li>\n<li><strong>too many new accounts<\/strong><\/li>\n<li><strong>too many accounts with balances<\/strong><\/li>\n<li><strong>too many credit inquiries in the past 12 months<\/strong><\/li>\n<\/ul>\n<p>If you are denied credit, you have the right to know which factors reported on your credit history caused the greatest influence on your credit score. The lender that has denied you credit will notify you in writing about these factors, along with the name of the credit bureau that provided your credit report to the lender.<\/p>\n<p>Please note: The school <strong><em>is not<\/em> <\/strong>notified of the lenders reason as to why credit was denied. The student will need to contact the lender directly to get the reason why the credit was denied.<\/p>\n<p><strong>NOTE: <em>Having multiple education loans and\/or a large amount of education debt does not preclude your scoring well. People with small and large amounts of debt and with or without income can score well provided they have properly managed their debt.<\/em><\/strong><\/p>\n\n          <\/template>\n        <\/app-accordion-item>\n              <app-accordion-item class=\"accordion-group block leading-1 opt-1\" content-class=\"accordion-group__panel wysiwyg-content\">\n          <template #accordion-trigger=\"{ href, visible, setRef, clickHandler }\">\n            <a :href=\"'#' + href\" \n              :ref=\"setRef\"\n              :class=\"['accordion-group__button scroll-mt-160', {'accordion__trigger_active': visible}]\"\n              @click.stop.prevent=\"clickHandler\"\n            >\n            <span class=\"block py-10\">\n              The Importance of Good Credit and Credit Tips\n            <\/span>\n            <span class=\"accordion-group-icon relative flex w-56 h-56 ml-20 justify-center items-center bg-black rounded-full flex-shrink-0\">\n                            <span class=\"w-16 icon-chevron-down\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><!--!Font Awesome Free 6.6.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free Copyright 2024 Fonticons, Inc.--><path d=\"M233.4 406.6c12.5 12.5 32.8 12.5 45.3 0l192-192c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L256 338.7 86.6 169.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l192 192z\"\/><\/svg>\n              <\/span>\n              <span class=\"w-16 icon-chevron-up\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><!--!Font Awesome Free 6.6.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free Copyright 2024 Fonticons, Inc.--><path d=\"M233.4 105.4c12.5-12.5 32.8-12.5 45.3 0l192 192c12.5 12.5 12.5 32.8 0 45.3s-32.8 12.5-45.3 0L256 173.3 86.6 342.6c-12.5 12.5-32.8 12.5-45.3 0s-12.5-32.8 0-45.3l192-192z\"\/><\/svg>\n              <\/span>\n                          <\/span>\n            <\/a>\n          <\/template>\n          <template #accordion-content>\n            <p>Maintaining good credit will insure your eligibility to obtain Grad\u00a0PLUS or private alternative loans when needed through out your Graduate and professional education.<\/p>\n<ul>\n<li>Make sure you develop and follow an affordable monthly budget.<\/li>\n<li>Avoid charging more on your credit cards than you can afford to repay in full each month.<\/li>\n<li>Limit the number of credit card accounts you maintain.<\/li>\n<li>Minimize your credit card debt.<\/li>\n<li>Be careful about opening new credit card accounts.<\/li>\n<li>Pay all your bills on time.<\/li>\n<li>Obtain a copy of your credit report at least once a year and review it for accuracy.<\/li>\n<\/ul>\n\n          <\/template>\n        <\/app-accordion-item>\n              <app-accordion-item class=\"accordion-group block leading-1 opt-1\" content-class=\"accordion-group__panel wysiwyg-content\">\n          <template #accordion-trigger=\"{ href, visible, setRef, clickHandler }\">\n            <a :href=\"'#' + href\" \n              :ref=\"setRef\"\n              :class=\"['accordion-group__button scroll-mt-160', {'accordion__trigger_active': visible}]\"\n              @click.stop.prevent=\"clickHandler\"\n            >\n            <span class=\"block py-10\">\n              Getting a PLUS Loan\n            <\/span>\n            <span class=\"accordion-group-icon relative flex w-56 h-56 ml-20 justify-center items-center bg-black rounded-full flex-shrink-0\">\n                            <span class=\"w-16 icon-chevron-down\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><!--!Font Awesome Free 6.6.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free Copyright 2024 Fonticons, Inc.--><path d=\"M233.4 406.6c12.5 12.5 32.8 12.5 45.3 0l192-192c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L256 338.7 86.6 169.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l192 192z\"\/><\/svg>\n              <\/span>\n              <span class=\"w-16 icon-chevron-up\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><!--!Font Awesome Free 6.6.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free Copyright 2024 Fonticons, Inc.--><path d=\"M233.4 105.4c12.5-12.5 32.8-12.5 45.3 0l192 192c12.5 12.5 12.5 32.8 0 45.3s-32.8 12.5-45.3 0L256 173.3 86.6 342.6c-12.5 12.5-32.8 12.5-45.3 0s-12.5-32.8 0-45.3l192-192z\"\/><\/svg>\n              <\/span>\n                          <\/span>\n            <\/a>\n          <\/template>\n          <template #accordion-content>\n            <p>To get a PLUS loan you must first submit the Free Application for Federal student Aid (FAFSA). To qualify for a PLUS loan, you must be a U.S. citizen or eligible non-citizen, and be enrolled at least half-time.<\/p>\n<p>After you submit the FAFSA, the financial aid office will notify you how much financial aid you qualify for, including the Direct Unsubsidized loan. Because the Direct Unsubsidized loan has a lower interest rate and other advantages over PLUS loans, borrow as much in Direct Unsubsidized loan as you can. The gap in your budget will be awarded in the Grad PLUS loan. Because you have to pay back what you borrow, along with interest, borrow only as much as you need in the Grad PLUS loan as it does have a higher interest rate.<\/p>\n<div style=\"text-align: center\">\n<p>You can obtain a free copy of your credit report from one of the three national credit reporting agencies once every 12 months.<\/p>\n<p>Equifax &#8211; (800) 685-1111 \/ <a href=\"https:\/\/www.equifax.com\/\">www.equifax.com<\/a><br \/>\nExperian &#8211; (888) 397-3742 \/ <a href=\"https:\/\/www.experian.com\/\">www.experian.com<\/a><br \/>\nTrans Union &#8211; (800_ 888-4213 \/ <a href=\"https:\/\/www.transunion.com\/\">www.transunion.com<\/a><\/p>\n<\/div>\n\n          <\/template>\n        <\/app-accordion-item>\n              <app-accordion-item class=\"accordion-group block leading-1 opt-1\" content-class=\"accordion-group__panel wysiwyg-content\">\n          <template #accordion-trigger=\"{ href, visible, setRef, clickHandler }\">\n            <a :href=\"'#' + href\" \n              :ref=\"setRef\"\n              :class=\"['accordion-group__button scroll-mt-160', {'accordion__trigger_active': visible}]\"\n              @click.stop.prevent=\"clickHandler\"\n            >\n            <span class=\"block py-10\">\n              Credit Resources\n            <\/span>\n            <span class=\"accordion-group-icon relative flex w-56 h-56 ml-20 justify-center items-center bg-black rounded-full flex-shrink-0\">\n                            <span class=\"w-16 icon-chevron-down\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><!--!Font Awesome Free 6.6.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free Copyright 2024 Fonticons, Inc.--><path d=\"M233.4 406.6c12.5 12.5 32.8 12.5 45.3 0l192-192c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L256 338.7 86.6 169.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l192 192z\"\/><\/svg>\n              <\/span>\n              <span class=\"w-16 icon-chevron-up\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><!--!Font Awesome Free 6.6.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free Copyright 2024 Fonticons, Inc.--><path d=\"M233.4 105.4c12.5-12.5 32.8-12.5 45.3 0l192 192c12.5 12.5 12.5 32.8 0 45.3s-32.8 12.5-45.3 0L256 173.3 86.6 342.6c-12.5 12.5-32.8 12.5-45.3 0s-12.5-32.8 0-45.3l192-192z\"\/><\/svg>\n              <\/span>\n                          <\/span>\n            <\/a>\n          <\/template>\n          <template #accordion-content>\n            <ul>\n<li><a href=\"https:\/\/www.myfico.com\/\" target=\"_blank\" rel=\"noopener\"><strong>Fair Isaac and Company<\/strong><\/a> &#8211; For more information on credit scoring or to purchase your credit score and report<\/li>\n<li><a href=\"https:\/\/www.ftc.gov\/\" target=\"_blank\" rel=\"noopener\"><strong>Federal Trade Commission<\/strong><\/a> &#8211; For free publications about credit or help with credit reporting problems. (877) 382-4357 .<\/li>\n<li><strong><a href=\"https:\/\/www.bankrate.com\/\" target=\"_blank\" rel=\"noopener\">Bankrate.com<\/a> &#8211;<\/strong> For information on all aspects of credit and personal finance, or estimate your credit score range free of charge.<\/li>\n<\/ul>\n<p align=\"center\">\n<p><span class=\"t3-mce-annotation\" style=\"text-align: center\">We would like to acknowledge the following who helped to contribute information for this brochure: FinAid.org, Access Group, EdFund, and Great Lakes.<\/span><\/p>\n\n          <\/template>\n        <\/app-accordion-item>\n          <\/app-accordion>\n  <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":8,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-9","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/stagewp.westernu.edu\/financial\/wp-json\/wp\/v2\/pages\/9","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stagewp.westernu.edu\/financial\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/stagewp.westernu.edu\/financial\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/stagewp.westernu.edu\/financial\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/stagewp.westernu.edu\/financial\/wp-json\/wp\/v2\/comments?post=9"}],"version-history":[{"count":19,"href":"https:\/\/stagewp.westernu.edu\/financial\/wp-json\/wp\/v2\/pages\/9\/revisions"}],"predecessor-version":[{"id":6314,"href":"https:\/\/stagewp.westernu.edu\/financial\/wp-json\/wp\/v2\/pages\/9\/revisions\/6314"}],"up":[{"embeddable":true,"href":"https:\/\/stagewp.westernu.edu\/financial\/wp-json\/wp\/v2\/pages\/8"}],"wp:attachment":[{"href":"https:\/\/stagewp.westernu.edu\/financial\/wp-json\/wp\/v2\/media?parent=9"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}