Hello. My fiancee paid off her student loans recently. No rehab just paid off the loan. She sent a letter to the DOE requesting the zero balance be reported to the CB.
Received letter back stating ''This notice serves as written verification that you have paid in full the defaulted student aid debt owed to the Department and payable to the National Payment Center, and that no further payments are due. The Department has notified the credit bureaus that your defaulted student aid debt is satisfied. This does not delete the credit line reference but only updates it to show a zero balance,...''.
That was a month ago. Does anyone have any idea how long it might take for the balance to finally report a zero balance?
Agreed with SCF. When I completed the disability discharge monitoring period, I got someone that was ACTUALLY quite helpful on the phone from NelNet. She explained that they report once a month, on the 30th I think it was. But they have a cutoff for that month's reporting, something like the 19th or 20th. Any status changes that occur by then, are reported that month on the 30th. If status changed say on the 25th, it doesn't get reported until the 30th of the following month. If nothing changed by the 90 day mark, then PANIC !!! 
Ok thanks. Has anyone paid off their old student loans without doing rehab? I'm curious what she can expect as far as score movement.
In 5 days it will be 90 days since we received the letter.
According to Credit Karma the student loans were removed from her credit report today. I thought they would report a zero balance and keep reporting but they were removed entirely. Pretty great!