ive had about 5k in student loans since November i want to say? they are federal unsubsidized. I haven't seen anything on my reports, not even a pull.
@SCF wrote:You won't see a hard pull on your credit report because Federal student loans are awarded based on need, and do not take your credit score into consideration. You should see the tradeline appear on your report, but it might take a while. When was the loan disbursed? It would be unusual for a loan to be disbursed in November unless your school is on an odd schedule.
thank you. just showed up on one of my reports on amex credit secure.
i applied for financial aid late, and paid for school in cash, and got the loan approved later. after financial aid was processed they just issued me a refund check.