I just saw this same thing happen with a friend of mine who I'm helping along...
The alert he got was exactly the same. We pull the full report and discovered that:
Up through 12/2014, there were two Fed Loan tradelines representing considations of subsidized and unsubsidized loans (one loan representing the subsidized and one representing the unsubsidized).
Starting with the data reported as of 01/31/2014, which only just recently posted to the reports, it appears that Fed Loan servicing has combined the outstanding balance, monthly payment amounts, and total original balances of the loans as one trade line.
If your student loans were positive tradelines then, this has compound negative effects on you:
1. Average age of accounts quite likely goes down because youv'e suddenly had an account which was previously reporting completely dissappear from your report.
2. Number of accounts in good standing and being paid regularly has gone down.
I've come to realize that tradeline reporting for student loans is an unmitigated b*tch. If they're negative you can count on tons of transferred accounts filling up your report and dragging you down. If they're positive, suddenly the multiple tradelines get combined down to minimize the positive impact.
