student loan repayment

[alleycat]

You should really get on your loan originator to correct your 160 days late. If it was suppose to be deferred then it was suppose to be deferred. Also write to the credit bureaus and demand that they be corrected. Just tell them hey they were deferred not late. What might help also there is a new loan payment program

IBRinfo :: Help is here!

Go on the website and see if you qualify for any of the programs. It is income based repayment so that might help take a chunk out of your payments. Also you might want to think about finding some sort of employment that helps you with your student loan payments. There are jobs like that. Teaching is one such place. Also if you look at the loan repayment on the IBR website you will see that you hold certain types of jobs for 10 years your loan balance can be forgiven. But word to the wise, always check your credit and make sure you get your extentions/deferments in writing. If there is a problem with the way it shows up on your credit report always send a demand letter and get it fixed.