Institutional loan held by Ecsi- where to begin?

[Starsky544]

I have a student loan that was taken out from my university itself that is now held by ECSI. After graduating I had to take a test in order to begin my career but I was not immediately able to take it as my mom was seriously ill which left me depressed. Today it currently has a string of 10 120 day late reports on my credit score but never went to collections. This is the only account causing my credit score to drop to the 500s. A year later I passed my certification and got a job but I am struggling to get approved for an apartment near it in nyc. I have called ECSI and they say because it is not a Perkins loan there is no rehabilitation option to remove the negatives from my report just a payment plan which I am now on. If it had been Perkins then 9 months of on time payments would have cleaned the slate. I  understand that this will be difficult to be removed but I would at least like to try. Not sure if my best option would be a goodwill letter and if I write it to ECSI or the school itself. Or to attempt dispute. I almost feel that it would have been easier to remove if it had gone to collections. If anyone has any advice on this type of student loan please let me know. I really would love to rent an apartment without a two hour commute and feel this is going to be a struggle for the next 7 years if I don’t at least try.

[MarvBear]

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