My credit is trash due to a multitude of reason, some of which I caused, some of which I did not.
I recently checked my score and it was (expectedly) very low. I went to also check the outstanding accounts I had and noticed something odd.
My student loan account had been closed.
Curious, I went onto my student loan account website and it confirmed that I had no outstanding balance and the account had been closed.
Now some important information:
- I was not able to complete my degree -my federal aid was eventually denied and I dropped out because I got too sick to continue.
- I’ve been out of school 2 years.
- I have never made a student loan payment -my loans were in default.
- My first college was a two year school that was eventually absorbed by a larger college.
So here I am now, very confused. I owed upwards of $15,000-$20,000. How can it just be gone?
My assumption is that is was somehow written off as bad debt and they shredded my score for it, but I don’t really know anything about credit so I’m not really sure if that’s something that they even do with student loans.
I keep seeing all these “ads” about people who went to -my first college- getting loan forgiveness and “people born before 1997” getting loan forgiveness and people who were Bio majors getting loan forgiveness, but I obviously never took them seriously.
So, does anyone have any idea what might have happened?
Edit: to add that this debt is not even on my credit report anymore. It doesn’t show that I owe more than like $800 total for all my debts, yet my score is still trashed?
Edit: added more info
Submitted February 27, 2019 at 07:12PM by Christinacorn7 https://ift.tt/2NyKMAi
