94: The balance amount paid down on your open student loan accounts is too low
The amount that has been paid down on your open student loan accounts is low. People who haven't paid down much of their student loan account balances are higher credit risks than people who have.
As monthly student loan account payments are made, a portion of the outstanding balance is reduced, benefitting your score. Whenever possible, further pay down balances on your accounts. Over time, this will also have a positive impact on your score.