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Posted in Student Loans
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Giyis

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why are my student loans on my credit when they are not in deferment?

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Student loans are a debt that is collectable until paid in full, no matter how long it takes.  Other loans may drop off after 7 years or could be discharged in bankruptcy, but not sstudent loans.  That is likely why they hit your credit report soon and may have an impact on your score.  It is one of the "perks" the student loan industry got during the revision of bankruptcy laws about 20-30 years ago.

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