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If I show that I'm working on paying it this will fix that problem? I noticed that you can't be delinquent on any debt to qualify for grad plus so I just wanted to check. Do I have to update my report myself?
I had an outstanding bill myself and literally had no clue this bill existed/ was unpaid so when I called the company I explained I never got the bill and they too had in their records the mail was returned to the sender (no clue why) so the collections company was able to wipe it from my records because the company that submitted it basically didn't do their due diligence to notify me several a few times before they sent it to collections. To this day I have no idea why the bill never made it to my mailbox or why the company that I am still an active customer of didn't do more to notify me of an outstanding bill. Anywho, point of my story is to say try and give the company a call!
Oh shucks. Well, you should be able to set up a payment plan. Try not to let it bog you down until you get the facts. This whole process is so stressful just remember to keeeep breathing 🙂
You may be able to qualify with a co-signer.
Yes, my dad filed bankruptcy when I was a kid so he's out and I don't think my mom would go for this since we aren't close and she has cosigned on my sisters car, so I'm not sure who else I could use, that's why I was trying to figure out this deliquency issue.
If your dad filed when you were a kid I think after 7 years it is removed from his credit. You can actually contact someone from student loans and they will let you know if you qualify. You can also just apply and see what happens. Since applying is only a soft inquiry in your credit it doesn't hurt your credit when you apply.
You can also try to go back to the hospital that sent you to collections and try to have them remove the collections and see if you can set up a repayment plan with them. I know it's a long shot but it is possible. My hospital near me will remove you from collections if you make a payment arrangement with them.
Good luck!
