Established Contributor
bahbahd
Posts: 729
Registered: ‎08-12-2011
Re: How do I clear up my student loans
[ Edited ]

Account will go back into positive status after 7 years since that is when the late payments will fall off due to age. The accounts will still be open. 

 

You can call SM and ask if they will trade some forbearance for removing the recent lates. If you pay first, they probably won't apply the forbearance. You could just start paying and send GW letters.