['I forgot to make my student loan payment this month.', "Ah, that's unfortunate. That can be really tough to remember sometimes. I know because I've forgotten that too. But you'll make it up as soon as you can, I'm sure!", "I'm scared it will affect my credit score."]
As long as it's not too delinquent, and you have an otherwise good history of on-time payments, you should be okay! Try talking to your loan servicer, too. They can help.
I forgot to make my student loan payment this month.  I'm scared it will affect my credit score.