The Disaster Dispute Kit (U.S. Based)

If your home, community, or ZIP code has been impacted by a federally declared disaster (such as wildfires, floods, hurricanes, earthquakes, or severe storms), you may qualify for special forbearance, late fee forgiveness, and credit reporting relief.

This kit walks you step-by-step through how to request a disaster-based forbearance or deletion for negative student loan or debt-related entries caused by the crisis. Most people don’t realize that under federal guidelines, disaster-affected borrowers can request account updates or full credit clean-up — even if they’re behind or already in collections.