Has anybody had this happen?

[Anonymous]

Hello. I am new to these boards as an actual poster, but have been lurking for awhile.  

I have yet to see a post from somebody in my situation so thought I would make a post to try to figure this out.

I have a student loan, broken into 3 separate loans on my credit reports from FedLoan back in 2010.  It went into default in 2013 when some personal things came up, I was unemployed with 3 young kids and could not pay my student loans. I did not know there was such thing as deferment or forbearance or anything like that until just a few years ago now.  Anyway, so I have some 120 day lates on my credit reports.  FedLoan sold/transferred my loan(s) to Nelnet.  I was able to start fresh with them and have been on forbearance or whatever for awhile now so shows no late payments.  Problem is the balances are way over the actual loan amounts and the FedLoan lates are still showing.  It is hurting my credit.

I am disabled and SSA has me at reviews every 3-5 years.  I see a PA instead of an actual doctor, and the lady in charge of my meds is an NP, not a psychiatrist.  So really I have nobody to sign the TPD application to get the loans discharged.  

I guess what I am wondering is 2 things.... first, is it too late to write a goodwill letter to FedLoan about those lates if my accounts got sold/transferred back in 2016?  second question is I have considered sending the TPD application to the clinic I go to and see if one of the actal MDs will sign it for me even though I am not technically under their care?  Or maybe the psychiatrist at the place I go see mt NP for my meds?  Is there any way "around" this?  

I hope that all made sense.  

Thanks in advance for any advice and responses!

[ccquest]

Ehhhh on the MD vs DO with only DO being a real physician. One is a Medical Doctor and the other is a Doctor of Osteopathic Medicine. In the US, MD is generally the more "respected" field and is harder to get accepted into programs for, while DO is easier. DOs undergo much of the same type of training/education as MDs with an additional portion dedicated to the Osteopathic Medicine learning which they practice before resorting to other treatments. Both have dedicated at least 6-7 years of their life to the program (3-4 years undergrad, 3 years med school, 3 years residency) before seeing patients though.

The rest seems accurate.

[Svthhvn]

Most Nps have a collaborating physician whom they work under. At my office the NP seeing the patient completes form and collaborating MD/DO co-signs.