[Roy Bush]

Hi Jburgio,

Federal student loans are reported late after being missed for 90 days.  However, loans in forbearance or deferment are not reported as late during that pause period.  The reasons for forbearance or deferment are those that you listed.  Borrowers who had missed payments for greater than 90 days after January 1, 2025, began being reported to credit bureaus.  An “on-ramp” period for credit reporting ended on October 1, 2024, after one year of a Covid-19 Payment Pause (September 2023 – October 2024.)

 

 

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