How long does it take to get a student loan off of your credit rating?

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  • Anonymous
    1 decade ago
    Best Answer

    According to the Federal Student Aid website, it is typically 7 years before a defaulted student loan will disappear from your credit; however if it is a federally held loan, it can remain on your record forever for the sole purpose of disqualifying you from FHA and VA loans.

  • 1 decade ago

    I had a defaulted student loan.

    I got the loan placed into rehab,

    it took about one year to get it on track and I was able to purchase my first home at the 1.5 year mark.

    call the lender THEY WANT TO HELP YOU!

  • Anonymous
    1 decade ago

    10 years, unlike the usual 7 years for other forms of credit.

    Source(s): Have too many student loans NOT to know this!
  • Anonymous
    1 decade ago

    Why would you want it off? I would think you'd want it on there to show you are a responsible borrower.

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