How does a student loan affect your credit?

I have a student loan that is about 50K. I am making payments on it but I am on the income contingent plan and every month I get a statement showing that what Im paying is not enough to pay even the interest, so the balance is higher every month. Does this negatively affect my credit, I pay every month on time but I want to know if this will affect my credit. Does the 50K count towards debt to available credit ratio also. How does the student loan affect credit ratings?

Are there any payday loans or emergency loan companies that will help me?

We are desperately waiting for a bonus we are expecting but in the meantime need a quick loan to get us by for somethings that have come up. I know payday loans are not a good idea but we also know we will only use this until the bonus comes thru . Anyone know where we can get a quick guaranteed loan ?