I can see why they were that low. I heard people back in the yearly 2000's were getting rates like that. Investors were actually telling people to max out there loans and keep the money because the rates were even lower than mortgages. Telling people to never pay them off and use the interest as a tax deduction. But that definitely isn't the case nowadays. And mine are all government loans, here is how they are listed on the US Dept of Ed Site: FFEL Unsubsidized Stafford, Direct Subsidized Stafford, Direct Unsubsidized Stafford. I do have one loan at 4.8% and that's the lowest one.
But I am definitely thinking of hiring a lawyer. I know this is my mess. I know the law states they aren't to remove the lates and that there is a fair reporting act. But I googled several Student Loan lawyers that say they only get paid if they can get the lates removed. Well, all of my loans were removed except for one on each bureau. So its worth it to me to pay a lawyer to remove the last account or correct it. I will save that on interest on a house. I disputed the accounts one last time, I have till the end of October to see what they say. If no result from this last dispute, then I am just going to pay a lawyer and then I will update everyone on how that went.
