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tburns wrote:

So my Installment debt is killing my DTI, I was denied a loan a few months ago due to it. My actual installments should be 18k (10k Car and 8k SL) But on 2 reports it shows I have over 39k installment debt.

 

I tried to contact Direct loans last month and their response was "We'll continue to reports loans and if a payment is late it will be reported" So apparently they didn't read my message.

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Read this page: http://studentaid.ed.gov/repay-loans/disputes

Then, contact the ombudsman office.  They were a great help to me (although somewhat slow) when I had the same issue.