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Posted in Student Loans
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Question By
amk320

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When do closed student loan accounts come off report?
I have more than a dozen closed student loan accounts from 2003-2006 that still appear on my report. Many of them have delinquencies associated with them.

Why are they still showing up on my report well beyond the 7.5 year fall off date?

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Sorry, but student loans do not fall off after 7.5 years, nor can they be discharged in bankruptcy except under extreme circumstances.  Student loans remain collectable until paid in full, no matter how long it takes.   They may be closed through one loan servicer but will be opened by another, and tax returns could be taken.

Reply by
amk320

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They were paid off by a consolidation loan. As I understand it, they should not still be on my report.

Reply by
bdrios

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I have one that was paid off several years ago.  It has still not fallen off. When a student loan is PAID OFF, when does it FALL OFF your credit report?

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