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How will student loans help/hurt my credit?
I'm currently dealing with personal health issues and on disability. I have consolidated my federal loans & put them on income-based repayment, that I currently have no payment. However, I have a private loan that I cannot afford the payment for. I have not been able to find an option to decrease or delay this payment. Is there one? How will missing the payment hurt my credit? Can I send in smaller amounts to still show an effort?

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