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The new credit is currently available through 2017. The American Opportunity credit equals 100% of the first $2,000 of a studentâs qualified education expenses plus 25% of the next $2,000. The maximum annual credit is $2,500.
The average American's credit profile The average American's 2016 FICO score of 700 is up slightly from an average of 695 in 2015. It's worth mentioning that an updated FICO scoring method, FICO Score 9, is now being used in the analysis, so it's possible the small increase could be due to this change.