Posts: 14
Registered: ‎10-14-2012

Fed student loans discharged b/c of disability -- effect on credit score?

I've got about $140k now in the 3 year conditional disability discharge phase. Does anyone know how they will report to credit agencies? They are officially "discharged" (never late) but could be reinstated. My credit tanked last year when I became disabled and is now in the low 500s. The student loans are my only debt. Anyone been through this that can comment? I'm hoping wiping that debt off my credit report will make my score jump higher. I want to get a car soon, so am waiting to see. I initiated an investigation with the credit agencies, but that caused my scores to drop by 12 pts instead!

Starting Score: EQ 532
Current Score: 532
Goal Score: 760

Take the FICO Fitness Challenge
Valued Member
Posts: 46
Registered: ‎04-16-2012

Re: Fed student loans discharged b/c of disability -- effect on credit score?

I know someone going through the process.  How long did it take for you to get the discharge approved?  


Did you get an Idea on how it affected your credit?



myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+