How To Remove Student Loans From Your Credit History

Student loans are ultimately deleted from a credit report when they are fully paid off or after seven years of default. You can only remove student loans from a credit statement if the report contains inaccuracies or erroneous data. 

This guide discusses the consequences of missed payments and how to repair incorrect student loan information on a credit report.

Can a credit repair company remove student loans from your credit history?

Yes, credit repair companies can get student loans erased from a credit report, although there are several aspects to consider.

Student loan information cannot be deleted from your credit report if it’s accurate. A credit repair company can only get negative items erased, not loans.

You can get loans removed under two conditions.

  • It is a private loan with inaccurate information.
  • You paid off the student loan, but it remains on your credit report.

You can dispute and remove the negative item in your report if either is true.

Credit repair businesses can assist you in disputing false information, but you can perform the same on your own and without additional expenses.

How can you remove student loans from your credit report?

Your credit record may show negative items for seven years. Fortunately, you can have inaccurate items removed from your credit report.

Fixing erroneous information

You can request the removal of negative information like:

  • Student loans that are not yours
  • Inaccurately reported late payments
  • Incorrect default status
  • Any negative information regarding a loan that is under deferment or forbearance

Contact your student loan service provider if the abovementioned items appear on your credit report. Take care of unfavorable items immediately because negative information can harm your credit.

Writing Dispute Letters

A well-written letter may help erase negative items.

What should be in your letter of dispute:

  • Your unique loan reference number.
  • Details of how to reach you with contact information.
  • A situational assessment with proof like a copy of your credit report.
  • Recent student loan bills and payment records can serve as proof to establish erroneous information.
  • Action required, like updated records with the corrected information
  • Request for written confirmation on receipt of letter, updated account status, updated credit bureaus.

The letter must ask your student loan provider to contact the three major credit bureaus. If there is no response after two weeks, you should follow up with them.

Dispute your account

Contact the credit bureaus on your own if your loan provider doesn't advise them to update the loan information in your credit report. Submit an account dispute to make the credit bureau look at your file. 

If you discover inaccurate student loan information on your credit report, you should:

  • Collect proof to justify your claims.
  • Call your student loan provider to request a credit repair or submit a dispute letter.
  • Follow up with your loan provider if you don't receive written confirmation after two weeks.
  • Upon confirmation by your loan company, wait the obligatory 30 days before checking your credit report once more.
  • Contact the credit bureaus and submit an account dispute if the inaccurate information still reflects.
  • File separate disputes for each credit bureau: TransUnion, Equifax, and Experian.

The credit bureau is legally obligated to look into your student loan provider within 30 days of receiving your dispute. They will erase the inaccurate loan information from your credit report if your loan service provider confirms it.

Default reversal

Only federal loans are eligible for default reversal. If you make nine out of ten consecutive payments on time, you can get the default status removed. 

Federal loans allow you to reduce your monthly payment to a negligibly small portion of your income, even if you default on your loan.

Is getting student loans removed a smart idea?

While you may be able to get certain negative information related to your student loans removed from your credit report, do remember that you cannot remove the loans themselves. 

The good thing is that it might prove beneficial. Positive credit information stays on your credit report for ten years, whereas a negative item remains on your credit report for seven years. If you make all your payments on time, even if you made a misstep in the past, that positive payment history can help boost your credit score.

While negative information can hurt your credit, FICO favors newer information over older items, so paying on time can help compensate for past mistakes.

Key Takeaways

  • You cannot remove negative items from your student loan credit report if it is accurate.
  • Negative information reported by your loan service provider can remain on record for up to seven years.
  • Beware of companies that promise to help you delete negative items that are actually accurate; they may be scammers.
  • If your loan service provider doesn't take action on negative information, submit a dispute directly to the three major credit bureaus.
  • Rehabilitating a federal student loan that's in default might allow you to remove it from your credit report.


How much time does it take to pay off student loans?

A standard student loan term takes ten years to pay off. Taking this into account, if you modify your repayment plan, payback could take up to 25 years when you make income-driven choices.

Does having student loans impact your credit score?

Yes, having student loans may lower your credit score. Your credit report will include the loan amount and your payment history. Keeping your credit score high can be accomplished by making your payments on time. On the other hand, not making payments will lower your rating.

How long do student loans remain on your credit report?

Any late payment on a credit account, including a student loan, can stay on your credit reports. Nonetheless, if the loan defaults, nothing changes. Your credit reports will reflect it for seven years, starting from the day of your first missed payment.

Since late payments can harm your credit for years and make it difficult to receive financing in the future, you must make your payments on time.

What happens if I don't make student loan payments?

Your loan could eventually default if you don't make your student loan payment or make it late. National credit reporting bureaus will be informed if you fall behind on your student loan payments. Consequently, a negative report may adversely affect your credit rating and ability to borrow.

About the author Greg Lorenzo

Greg is a financial expert who has been advising his audience on loans for over 10 years. He has a wealth of knowledge and experience in the area, and he is passionate about helping people get the best possible deal on their loans. Greg is an expert in negotiating loans, and he has a proven track record of getting his clients the best possible terms. He is also a strong advocate for financial literacy, and he regularly gives workshops and seminars on the topic.

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