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Federally insured or guaranteed student loans are not subject to the normal 7 year exclusion provisions set under the FCRA.
The Higher Education Act included provisions that superceded the FCRA, and permit delinquencies to remain until the debt is repaid.
Once you have repaid the loan, then the delinquencies become subject to the normal 7 year from date of occurence exclusion provision of the FCRA.
have you tried to disbute the collections? work_n_progress2?
I have all the letters you need to disbute for all collection agencys.