Student Loan Disputes Services

Student loans come in two main types: federal student loans (backed by the government) and private student loans (from banks or other lenders). These loans are often transferred between servicers, leading to confusion and reporting errors. Common issues include loans showing as delinquent when they were in deferment or forbearance, incorrect balance amounts after payments or forgiveness, duplicate accounts from servicer transfers, and incorrect payment history. Student loan reporting has been particularly problematic during periods of pandemic relief and loan forgiveness programs.

We analyze your student loan accounts to identify discrepancies between what's being reported and your actual loan status. We verify that deferments, forbearances, and income-driven repayment plans are being reported correctly. We check that servicer transfers haven't resulted in duplicate accounts or lost payment history. We also ensure that any loans that were forgiven, discharged, or consolidated are properly reflected on your credit report. For borrowers who qualified for pandemic-related relief or forgiveness programs, we verify those benefits are correctly shown.

Student loans affect more than 45 million Americans, and errors in student loan reporting are surprisingly common. From incorrect balances and payment statuses to loans reported multiple times after servicer transfers, student loan errors can significantly impact your credit score. Our student loan dispute service helps you identify and correct inaccuracies in how your student loans are being reported.