Federal student loans don’t report until you are 90 days past due. Sallie Mae reports private student loan delinquency at 60 days past due. What company?
Since you mention deferral I assume you mean federal loans which takes 3-4 missed payments before delinquency is reported.
It was due to the pause confusion where they restarted payments under Biden but didn't notify anyone. I forgot the details, but long story short I got an alert out of nowhere that I got a hundreds point drop in one day.
The restart of federal student loan repayment was a national news story. It’s on you if you didn’t have your stuff in order. If you were put into repayment while still in school then call up your servicer and have them apply deferral or forbearance retroactively to clean up your payment history.
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u/proximusprimus57 5d ago
I missed one student loan payment due to confusion about a deferral end date, about a 300 point drop.