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Posted in Student Loans
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Deathcharge

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Can a goodwill letter work on a student loan that i am still making payments on?
I have been reading about goodwill letters recently and on one forum someone mentioned that it only really has a chance to work on loans that have been payed in full. In 2014 i had 12 missed payments on equifax and 12 from transunion from two student loans. 12 of the payments were missed during hard times and i think another 2 from trans was a period between deferments in 2013.

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Student loans are often federally guaranteed and that means having to deal with federal regulations a lot.  You can try for a good will letter.  They are under no obligation to do any goodwill modifications of your credit report, just the same as any other creditor has the choice.  Nothing wrong in trying, but don't count on it happening. 

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