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Posts: 7
Registered: ‎06-29-2014
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Defaulted Student Loan, Rehab and Consolidated Loans but Credit Status Reflecting Negatively

[ Edited ]

Hi All,


Ok..I have an issue.  I had defaulted on my student loans and went into a rehab program and got them current and in good status.  As a part of that, a consolidation was offered in which it would pull all the loans (which I had over 15 small ones) together as one AND was suppose to be updated as paid, zero balance and all defaulted status cleared.  I completed this program back over a little over 2 years ago.


Well, here I am now clearing credit and Nelnet is showing 120 days past due and last date of reporting last  2010.  Today, I pulled a credit report and saw where they are showing "OPEN" accounts and closed ones 120 days past due still.  From what I understand, the defaulted status and the accounts once paid were to be removed and not show a negative status.  Is anyone familiar with the loan rehabilitation that was passed by Congress? Here is the link:


Thanks for your help in advance......:-)  I have to laugh to keep from crying at this nonsense....I mean its so annoying!



New Member
Posts: 4
Registered: ‎04-18-2014
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Re: Defaulted Student Loan, Rehab and Consolidated Loans but Credit Status Reflecting Negatively

I went through the same thing with student loan rehab. Most of my accounts now show a clean payment history and an account in good standing. I do have 1 that continues to show lates... I continue to write letters and dispute, but thus far I have gotten nowhere. I have a letter from rehab, that I continue to send in and it has gotten me nowhere.... I feel your pain!

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