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Rehab - 9 months or 9 Payments?

New Member

Rehab - 9 months or 9 Payments?

Hi all,


I would like to clean up my credit as soon as possible. I am in rehibilitation with my Direct Loan. I'm curious if I can make rehibilitation payments early? Does it have to be one payment a month? Or, can I make payments anytime and get out of rehabilitation early once 9 payments are made? Has anyone finished rehab early? I'm on my fourth payment.


I can call them and ask, but you know how it is when you're curious about someting and you don't want to wait until business hours to learn more. Thanks!

Established Member

Re: Rehab - 9 months or 9 Payments?

I just started the process of rehab on one of my loans yesterday and it was explained to me that I need to make 9 sheduled payments for 9 months. She explained that multiple payments each month will not affect the legnth of my rehab. 


Like I said, I'm new to this process, but that is the info I got yesterday while setting up my rehab.

Starting Score: EQ 511 (1/20/13)
Current Score: EQ 633
Goal Score: 680
New Member

Re: Rehab - 9 months or 9 Payments?

Thanks for the information. I guess I'll just have to wait.

Established Contributor

Re: Rehab - 9 months or 9 Payments?

It's nine months of payments. I got a little lucky because I had just started sending in small payments as a goodwill gesture three months before the rehab program was offered so they credited them. I am almost at the end of 9 months and impatiently waiting for the next stage of getting my loans picked up.

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