Identify the loan type
Federal and private loans have different servicers, programs, and dispute procedures.
Student loans
Student Loans: Credit & Resolution Options
Understand how federal or private loan status may affect credit and where to seek official help.
Review federal records
Use StudentAid.gov to review federal loan balances, status, servicers, and available actions.
Check reporting accuracy
Compare payment status, balances, dates, and servicer information against your records.
Address delinquency promptly
Contact the servicer about available repayment, rehabilitation, consolidation, deferment, or forbearance options as applicable.
School misconduct concerns
Borrower defense and closed-school discharge have specific eligibility rules and official applications.
Use qualified help
For lawsuits, garnishment, bankruptcy, or complex discharge issues, consult a qualified attorney or official federal resource.