Discovered yesterday that I had a 90-day late payment to my student loans. Payment was due 10/11. Wife and I had a baby on 10/08. My bank closed down in October (like it went bankrupt and closed). I didn't set up a new autopay account in Aidvantage. I have been sleep-deprived from the baby and I missed it. Is there anything I can do? Every message Aidvantage sent me went to the Spam folder in my Gmail. This is the first late payment I've ever had. I sent a letter disputing if they actually sent me emails warning of the missed payment. I don't know what else I could do. Aidvantage refuses to do a one-time goodwill reversal. I've called twice. They say I have to send letters. My student loans are separated in like 11 accounts. So it looks like I missed 11 payments. This will stay on my credit for 7 years. I went from a credit score of 808 (great score) to 587 (poor score). I have been saving to buy a house and now will be unable to secure a loan until I can get my score up. From what I estimate, should take at least 2 years to MAYBE claw back to where I was. Is there anything at all I could do? Anything that's worked for anyone to reverse a late payment notice on a student loan?

Hi everyone—looking to see if anyone has gone through something similar. I entered into a settlement agreement with Best Egg last year on a personal loan and have been making consistent on-time payments (usually more than the minimum). I had one missed payment recently on January 26th due to a family emergency that took me out of the country. I had the payments on autopay originally but I switched checking accounts back at the beginning of the year and I dumbly forgot to switch the account that the money would be pulled from. I didn’t get any notice of the missed payment and didn’t realize this as I was preoccupied with family stuff. About a week after the missed payment date, I had called Best Egg to check my remaining balance and it was then that I was told that the settlement had “defaulted” because of that one missed payment. I was very close to completing the settlement and offered to pay the remaining balance immediately if they reinstate it. They said it was sent to “back office” for review. Has anyone had experience getting a settlement reinstated with Best Egg after a one-time missed payment? Were they flexible, or did they strictly enforce the default clause? Just trying to understand what others have experienced. I understand completely that this was my fault but I’m just hoping there’s a way to fix this without having to pay the full loan balance. Thank you!