effect of student loan going from deferment to in-repayment on FICO score

[hateAshbury]

on my last credit report, my reported balance on student loans was zero -- presumably because my student loans then were in deferment

Now my loans are officially in repayment, and I expect to see a $30,000 balance on my next credit report. I suspect my FICO score will take a hit, but maybe it won't be so bad? I mean, FICO likes to see accounts being paid down reliably, and that's what I'm doing.

So just looking what to expect here. I'm nearly at 700 but I think this might set me back a bit

[laz98]

i've never heard of anyone's student loans showing as zero because of deferment.  That's pretty strange.  Although installment loans are not a high percentage of your overall score, I would imagine that 30k of debt magically appearing on your reports will hurt you somewhat.  Has anyone else ever experienced this?  Mine have always shown their balances.

[Jazzzy]

Recently some federal school loans showed zero balance because of the technology transition. Mine are consolidated through Direct Loans, and they showed zero for a while. Now they are back to normal. That could be what happened. My scores didn't wiggle around much during that time, so it didn't have any sort of effect on me.

[hateAshbury]

maybe the tech thing explains it... I vaguely recall that one day, maybe two or three months ago, my loans were in deferment for no reason. Also the servicing site was down. It was a total mess.

not much I can do about it in any case. thanks for the info