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