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I think I got the title wrong but I don't know how to edit it, it should read: First day of default being reported as first day of delinquency I have 3 loans with Department of Education, originally they were Direct Loans in 2007, now they are called Direct Stafford Subsidized. I have consolidated them last year, they show "paid collection" as of now. Also, these 3 loans share the same first day of delinquency since I never paid for them once they got out of forbearance initially (other than through tax offset). Now, the problem with the first day of delinquency. I am waiting for these loans to fall off this year and I found an error that will prolong them further than they must stay on. When I go to the nslds.ed.gov to view my loans, even the past paid ones, I can see detailed info of each loan. The details say REPAYMENT started on 7/2007 and then DEFAULTED 5/2008. However, on all credit reports it says that first day of delinquency is 5/2008. Correct me if I am wrong, but first day of delinquency is not equal to first day of default, right? Especially that non-educational institutions have 120 days before it becomes a default, I think. But here it is 270 days difference that pushed my hopes and dreams of having a clean report by another 9 months. Unbearable! I have already waited for a while... I can see that the first day of default was calculated correctly (see image below): Per Higher Education Act of 1965 Sec. 435(i) it says that the loan becomes in default after 270 days since non-payment, that is ~9 months. So, if the due date is on or about 07/2007 and the first day of delinquency would be 30 days late (I am reaching here), about on 08/2007, I'd say. Then add 9 months and you get about 05/2008. Sure, it is possible I fudge the numbers, let me know if I am, just my line of reasoning. If I am incorrect, please let me know. This is a screen show for one of the 3 loans, others are the same date wise, just $$$ differs. Point is, something is up and it might be affecting you too, do check! Instead of these negatives falling off this year, because of incorrect reporting it is being pushed up another 9 months for no good reason. I called Dept. of Edu. today, people I spoke to have said that they have no idea who is reporting it internally, evidently Direct Loans were distributed to many different sub-departments within the Dept. of Edu (once Direct Loans ceased to exist). However, the people I spoke to did see that the first day of delinquency is set at 5/2008 in the system, they don't care why or who set it. They are unwilling to change, say they cannot do that even if they wanted. All they could advise me was to stop tying their phone lines and start disputing this info with the credit agencies. So, I did with all 3 credit agencies, sent them all a fax with a letter, included my math (hope it is solid), and printouts from the website that show dates I am falling back to as my proof. Well, what are your thoughts on the subject?

So my wife had student loans with the Department of Education. They where automatically transferred to Sallie Mae. She initiated a deferment, but Sallie Mae is reporting her as 120 days late. Dept of Ed is still reporting as well so it looks like she has twice as many loans (11 to be exact). She has lates on those before Sallie Mae picked them up. So i have a few questions. First is Dept of Ed still supposed to be reporting even tho Sallie Mae has them? Should she contact Dept of Ed about removing the lates and/or tradelines or dispute them with the CRAs? With Sallie Mae, she's supposed to be in forbearance. Should she talk to Sallie Mae about removing the lates or dispute with the CRAs? and finally, should she apply for IBR? thanks guys