Established Member
Posts: 19
Registered: ‎05-04-2012
Sallie Mae Deferrment - Dispute or Not?

I have a Sallie Mae SL and a SM Dept of Ed SL. I recently returned to school and both were automatically deferred even though I just paid off the DoE SL. Is it worth my time to dispute? Would the paid in full account be a benefit to me vs. a deferred loan? Also, will the deferrments hurt my CS at all? Please advise. I have spent the past year paying off my BofA CC, Mohela and ACS SLs as well as settling a joint account that the ex decided he wasn't going to pay anymore. So far my scores have improved a bit and I am trying to get to a place where I can purchase a car and a home. Any advice is appreciated. Thank you

Starting Score: 5/2011 579 EX (Fako)
5/2012: 660 EX (Fako) 680 EQ 704 TU
5/2013: 682 EX 698 EQ 735 TU
8/2014: 715 EX 714 EQ 714 TU
Goal Scores: 720 across the board
In the Garden until July 2015; last app May 2014

My wallet: BoA Platinum Plus $7,500, BoA Cash Rewards $5,000, Barclay's UPromise MC $5,000