Hopefully someone out there who is more well versed on CRs can answer this one. I have two open student loan accounts. One is a private loan through Sallie Mae and, according to my latest CR from TU, it's listed as an "installment" account. My other loan (consolidation) through the Dept. of Education isn't even on the report. Do federal loans get treated differently? Why would they be missing from my report? I swear I remember seeing them on other CRs from Experian and Equifax. Thanks for your input!!