Why is my Credit Score so LOW if I only got student loans ($25,000), but never had a credit card?

My credit score is 608, i'm still a student getting an undergrad, I never got a credit card and only applied to may 3 credit companies and was denied as well. My student loans were deferred because I am a student
Update: BTW I started to pay my student loans but I was able to get it deferred based on my Status that I am a student.
9 answers 9