Will a student loan always report negative after a missed payment?

[Anonymous]

My understanding is that most negative account info falls off of your credit report after 7 years.  

My fiancee has a student loan.  She will be paying on this thing forever - like 10 years or something.

When she was first supposed to start paying she apparently missed a payment.  So, now the account shows up as a negative factor on her credit reports.  This missed payment was like 3 years ago.  

Let's say she continues to pay on time for the next 4 years, will the account still count negatively even after the missed payment is 7 prior just because the account is still active?

Thanks!

[Anonymous]

My understanding is that while that tradeline will still be reported since it's still open the late payment will fall off 7 years from the date of the late payment. If I'm wrong hopefully someone with more experience will correct me. Hope this helps.

[Anonymous]

It will report as a clean, positive line after 7 years 

[Anonymous]

Good to know. Thanks folks!

[Aduke1122]

The missed payment will fall off in 7 years but the tradeline will stay , after 2 years of no missed payments it will have little to no affect on her scoring.