What would my credit score be?

I’m a 21 year old college student. I’ve had a savings account since I was very little and I got my first checking account when I turned 18. Since then I’ve had college loans. I’ve also opened another checking and savings account. About 3 months ago I got my first credit card. What would my credit score be? I’m just looking for a general range of where I should be.
No I’m not carrying a balance my on credit card. I pay it off every month.
CreditKarma.com says my score is 676. I’m going on 4 years of student loans and such. I’ve been paying for them as I go. (I still owe 28k lol…) I’ve always made the payments ontime.

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