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Found 4 results

  1. Greeting Everyone, I am a new member. I want to thank all of you for your sincere efforts and guidance. Devoting time to help others is actually a best good some could offer. Thank you all. Now about me. I am working to clean up my credit. I have a student loan that is currently under deferment until 02/2016. Back in 2014, When it went to repayment phase, I was overseas. By the time I cam back in Aug 2014, the loan was already 180 Days late. I applied for Econ Harship that was granted and back dated to Feb 2014(The original date when the repayment was due). I have recently noticed
  2. Hello CB Members, Newbie here, and I read all the intro stuff so I hope I'm in the right area. I am trying to repair my credit while in college. Long story short, I had some medical issues around 2 years ago, which forced me to cut back from school. As a result, my student loans came out of deferment for a short time (cause I was not in school full-time.) Because I was so sick, and my parent busy caring for me, these payments were never made. Also, a couple of medical appt bills were missed, which were sent to CAs. I am back in school full-time (I should mention, I got a scholarship fo
  3. I graduated in summer of '06, so my student loans began like 6 months after. I have them through Student Assistance Foundation. I did deferment for a number of years, pretty sure one year was because I was unemployed from spring of '07 to 'spring of '08. I can't remember the number of years I deferred but I think it was 3 total. The other two years were probably economic hardship. I then went on an IBR plan that I have been eligible every year, with $0 monthly payments. The problem is the government will stop making interest payments on the subsidized loan in May. ( i have a 16k s
  4. I checked my credit score seven months ago and it was in the low 500's. At that time I was over 120 days behind on my student loan payments and my total student loan debt was around $40,000. I have since paid off the past-due portion of my student loans but the balance remains about the same. The loans are now in deferment since I am enrolled in a graduate program. I have taken on additional student loans as well. Today I checked my score and it was in the upper 700's. I am very suprised by this. Is it possible that paying off the past-due debt and placing my loans in deferment could have ha
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