Borrowers are falling behind on their student loan payments at a record pace — and their credit scores are suffering the consequences, a new report found. More than 10% of consumers with a student loan on their credit file haven’t made a payment in more than 90 days, according to a credit trend report released Tuesday from Fair Isaac Corporation (or FICO) — a credit scoring company used by 90% of top U.S. lenders. Out of the 21 million consumers scored in FICO’s credit report, 10% have scheduled federal ...