Hoping someone can help me solve this mystery. I have $35k in student loans through Edfinancial. I am on the Income Based Repayment plan. Due to life circumstances my income is currently low and my payments are $0/month for the time being. I have no idea if this is relevant but the last month I was required to make a cash payment was April 2024. I have had $0/month due since then but I was able to pay off one of the small loans in August 2025.
I have checked myFICO, my credit cards that offer credit score info, and annual credit report. The only student loan that appears is the one I paid off last August (listed as Paid and Closed).
Edfinancial and the federal student aid websites obviously both say I still have the loan balances and indicate my current monthly balance due of $0. I don't see anything that indicates my loan servicer has changed since the student aid website lists edfinancial as my servicer. I've double checked that nothing immediately looks off on edfinancial and I haven't seen any official notices about servicer changes.
I'm under no illusions that these loans are gone and I won't need to pay. There is also zero chance I've qualified for any form of loan forgiveness. I'm just wondering why they may have suddenly disappeared from my credit report? Is this a simple reporting error from Edfinancial or something I should be more concerned about?
Why did my student loans disappear from my credit report?
byu/RainyFrontier inStudentLoans
Posted by RainyFrontier