Community Leader<br> Valued Contributor</br>
Community Leader
Valued Contributor
Posts: 1,260
Registered: ‎06-09-2008
Re: How many times does defaulted student loan appear on credit report

If it is a federal loan, it WILL stay on your report and they continue to be legally able to collect on it by doing things like garnishing your wages and seizing your tax returns.  Federal loans don't go away except in cases where the student is permanently disabled, files bankruptcy, and establishes that repaying the loan is an undue hardship.  It is possible, but it's very rare for student loans to be discharged in a bankruptcy.

 

Do you have federal or private loans?  Are there accounts on your credit report that you suspect are connected to your loans?

 

Since your situation is unusual, I would look for an attorney that is knowledgable in handling student loans and disability issues.