Credit Report / Credit Score

My Daughter Can’t Afford Her Student Loan and I Want it Off Her Credit Report

Written by Steve Rhode


Dear Steve,

My daughter was unable to continue paying her student loan and live with a roof over her and her children.

The question is can the debt come off her credit report? Can she go to court to get it removed?



Dear Eloise,

The debt will be reported on the consumer credit report for up to seven years and 180 days from the time the last delinquency period began. If she makes a payment on the debt the reporting period will restart again.

Going to court may eliminate the legal responsibility to repay the debt through bankruptcy but even that will not remove it from the credit report.

If these are federal student loans she should talk to her servicer about rehabilitating the loan and putting it into a new Direct Loan and opting for an income-driven repayment. The payment can be as low as $0 per month and keep the loan current. This will prevent wage garnishments and tax refund intercepts.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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