going to need more info. Who transferred it, you by setting up someone to take it over or did they? If you set it say with someone like Dirct Loan then technically the debt to Sallie Mai is paid when it comes off, that I'm not exactly sure. Defaulted student loans are a head of a different monster. I do believe it's 7 years of when it went into default and but I have also heard that it is seven years since paid. After you make sure all three credit reports are updated and showing paid check the estimated drop off date, if none then call the Credit Agencies and see if they will give you that info.