Before I consolidated my 3 student loans back in 2014, I was behind on payments.
My report is showing all 3 accounts as closed and deliquent 90 days from July 2014.
(The new consolidated loan is in good standing.)
How much is this affecting my score?
It’s keeping your scores bogged down some 60-80 points perhaps. Especially if these remain your last baddies on your report. I have a similar situation with 2of my 3reports being hindered by the student loan lates. When the the lates first report?
I was in your situation too. I was more than two years late on student loans. I honestly just refused to pay nor did I care about a credit score. When I finally opened my eyes and told myself to start acting like an adult, I changed that. Unfortunately, my score was in the crapper. A nice 420.
I had to go through the loan rehab program and make nine consecutive on-time payments -- then my loans were transferred to FedLoan. I didn't have any credit cards, so my only option was a secured card. Got one, used it, paid it off, and repeated. 2 years later, my score went from 420 to 720. My student loans won't be paid off anytime soon, but I'm paying them every month and got some big boy credit cards now.
Call whoever is managing your student loan account and get in a rehab program. But do it when you know you can make those payments on-time each month. If you miss a payment, you will have to start over.