If you are behind on your Direct Student Loans...

[missnashville]

I am a long time lurker... I can always find answers to my questions by reading, reading, and um... reading! And I am making great progress on my once pathetic credit reports thanks to all of YOU!

 

Anyway... I have had my head in the sand for so long and had been avoiding my Direct Student Loans because I just didn't really know where to start. Well, this morning, I just picked up the phone, called and found out that I am 279 days delinquent (!!) and nearly in default but the super-sweet lady on the phone told me that if I wanted to start making my payments (a whopping $50 a month! Why did I let this go for so long instead of just paying it?!?) that she would bring my account totally current today if I could just agree to start making my payments starting this month. She said that the next time they report to the CRA's, my account would reflect a current status.

 

The point here is - if you are behind on your student loans - just take the time to make the call and talk to the people. They want to help you. Seriously. I know I will have to tackle the past payment history later on but for now, I am CURRENT on two accounts that had been reflecting a severely delinquent status. I can't wait until my reports update so I can see if this has helped my scores any at all. But even if it doesn't, I can sleep a little better tonight knowing that I took care of it and I'm not behind on those anymore.

[CB Owners]

Welcome to CreditBoards! We hope that you find what you're looking for here.

 

Some helpful tips:

 

• Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free
  to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board.
  
• If you haven't yet, take a peek at out Newbies Section.
  Everything that you need to know is in that forum, for the most part! It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros!
  
• If you find that someone is discourteous to you, use the REPORT button at the bottom of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS.
  
• Off -topic posts should go in the General Forum.
  

 

Again, welcome to the CreditBoards family!

 

CB Admin: LKH, Pam, radi8, breeze

CB Mods: CargoJon, Chris in OK, cotterpin, CramItCCCAs, Fallon, MarvBear, CtSoxFan, pryan67, psp, Stryker, TrevorHere

Forum Leads: brazen, Brian B The Loan Professor, cedski, DallasLoanGuy, hoapres, ICANHASMUNY?, Lighthouse84, Linx04, TeeSharice

[jonson]

Yeah, they are pretty easy to work with.

 

Now private student loans, that's a different story.....