if your student loans are unsubsidized, & are accruing interest, then the balances are probably correct, regardless of whether they are in deferment or not. for unsubsidized loans, the interest accrues no matter what. for a while my loans were reporting that way as well, but i've gotten them down a little.
the other reason code is just complaining that it thinks you need to pay your installment loans down. you will probably get that reason code for a long time, depending on how much you owe. there's not much you can do about it if you are making normal monthly payments. you'd have to pay a huge chunk off for that to go away.
