There aren't any. Alto is properly the term for the second top part in four-part mixed-voice vocal writing. Applied to voices it means no more than can muddle their way through the alto part, which is not saying a whole lot. As a result, calling a low-voiced female professional singer an alto is fighting words.
Having student loan debt will affect your credit score, but not always in the way you think. If you consistently make on-time student loan payments, your student loans can boost your credit score. But if you pay late, or default, on student loans, your credit score will take a hit.ow Defaulting on a Student Loan Affects Your Credit Score. If you stop making payments (default) on your student loan, your credit score will go down. Late student loan payments will hurt your score in much the same way as late payments on any other type of account.
1 Credit diversity makes up 10% of your score. So having student loans along with other debts (like your mortgage and credit cards) is a good thing.  Increases the length of your credit history. Length of credit history accounts for 15% of your score.