Thanks for the response. I did do the nine consecutive months of payments and the payments stopped being withdrawn after that completed. I do believe Perkins loans are only serviced by either the school that distributes them, or one particular servicer if the school doesn't want to do that (and I went to a smaller school so I'm not surprised they chose the servicer rather than doing it themselves). I'd like to find out who is reporting the lates on the loan repayment, because everywhere I look says it's the school (and before the default it also was listed as the school even though the servicer was administering it on behalf of the school; to try to get deferment or forbearance on this loan was a convoluted process involving directly contacting the school with a particular form, as I recall, which is part of why it never got done). I'd also like to know why it was never reopened on my credit report; they both show as closed but are reporting as lates, which doesn't make any sense to me.
Unfortunately I don't have a lot of paperwork, nothing saying I completed rehabilitation or anything, just bank statements for most of the 9 months of payments and an email statement from the collection agency about each month's withdrawal from my account. It's also frustrating that the school never called or contacted me about it since my phone number hasn't changed since freshman year and they still manage to send me homecoming announcements lol. I have a notebook somewhere where I'd detailed times I called, messages left, who I spoke to (if I could get their name) and so on, which I kept note of in case I need it. Maybe the ombudsman could at least get ahold of whoever has the loan and make them reach out to me? I definitely don't want to waste time on this because if it goes into default again, that stays on my record. What a nightmare, and over a loan I could have had completely forgiven if I'd known sooner to be able to apply for it. So frustrating!
So I heard back from someone at the school and after some back and forth, I was told the school does not deal directly with the loan in any way. The person even apologized that I have been getting the run around on this issue and contacted their representative with the loan servicer that services these loans.
Someone from the loan servicer reached out to me and says the loan is still showing with the collection agency and that I should reach out to them and speak to a supervisor to find out where my loan is.
I am so annoyed right now. If no one has the loan, that means I don't have to pay it back, right? ./sarcasm
I am so sorry you're getting the run around, but I'm glad you're so proactive on fixing it.
How frustrating - but good luck!
Well, there's been a new development. I didn't do anything last week due to the holiday, figuring folks would be on vacation and such. This morning, I checked my email and found a notice from Credit Karma that new remarks had been added to my credit report; turns out this "closed" school account is now reported as 180 days late, which is the point at which it went into default before. Then I checked my voicemail (my phone does not notify me when I have voicemails. It's very annoying). I had two messages from the company that deals with Perkins loans (you know, the one that told me a couple of weeks ago that it was still showing as placed with the collection agency?), saying that if I want to pay my loan off then I need to call to make payment arrangements...
So basically, they lost my loan for a year. Thanks, guys. Thanks a lot.
When I log into my account with them, it shows it's been placed with a different collection agency. I am so incredibly frustrated right now. I emailed the woman who'd emailed me asking what happened here, and will be calling in a bit when they hopefully are open. But seriously? Way to drop the ball. Ugh.
Definitely check the NSLDS and keep on it!
As for CreditKarma - don't stress it too much. My (defaulted/closed) student loans switch between Paid in Full/Collection/150d late all the time (several times a month), and it doesn't affect my FICO scores or reporting from the CRAs. I'm not sure what CK's CMS software is doing, but don't trust it.
Along with Sabii's recommendation about getting and keeping every bit of paperwork you can, I recommend you start keeping centralized notes. I have a financial journal and every time I talk to anyone, I take the date, time, name of the person and company and I jot notes as we talk or work through something. Even though I can't necessarily *prove* something, I can refer back and give them data, which has helped ("well, on August 6th, when I talked to Lori, she said...." or "I sent paperwork X on this date through Y"). I'm not sure if they're taking my word for it, or if they're more careful with someone who can bring up details like that, but it's been helpful with different issues (not just student loans).
And I don't know how helpful it would be for you, but I also scan and keep all of my paperwork on the cloud (google drive, dropbox, etc) so when I am talking with someone I can sit on a computer and either fire off copies in emails or just refer to past correspondance.