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Bad payment history on student loan?
Those of you who have late payments on your AES sub and un-sub federal stafford loans, how have you handled it? My score has dropped nearly 100 points because I was late 10 times on each of my student loan accounts. There is 10 missed payments on each account and those with AES know that they report it in 4 different segments. This has severely damaged my credit report and I need help in recovering from it. My last missed payment was only a year ago, so I don't want to wait 7 years for it to drop off. My AES account is currently locked and it says hardship forbearance or deferment for 113 months. What should I do to increase my score? I have 2 credit cards which I pay in full each month and has been helping me recover a little, but my score hasn't moved a millimeter.

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