First, it happens. Oftem. Don't beat yourself up.
There's nothing you can do with the lates in terms of accuracy. There's no dispute and you can't Goodwill federal loans.
Now the good news... You can call your servicer and ask for a retroactive forbearance. Once they apply this is will remove the lates. After you get approved & your paperwork sometimes you will have to dispute with the credit bureaus to get it removed.
The first answer you get may not be the final answer so continue to keep calling your servicer, speaking with an account specialist, and one might eventually say yes. They can only go back 6 months, so this should work for you.
Creditchecktotal also allows you to see your FICO 8 for all three credit bureaus. The trial price is $1 and after you save your scores and reports, you can cancel on the website. It's tricky to find so check their FAQ. Another alternative is Discover credit scorecard or Experian's freecreditscore.com
Last, if nothing can be done your score can eventually recover. It will just take time and optimizing the rest of your score components.
Good luck.
