How can I get a defaulted student loan off of my credit report?

There are two primary ways to remove a defaulted student loan from your credit report: first, rehabilitate the loan where possible; second, have the lender remove the negative information. Loan rehabilitation is your best option if you can work out this plan. Contact the lender to explain the change in circumstances that now makes it possible for you to repay your debt. Typically, you will need to make between 6 and 12 on-time payments in full in order to rehabilitate your loan out of default. If you cannot do this, contact the lender to discuss terms to at least have the default removed from your report. Partial payment may be an option.


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