The Student Loan Dispute Kit (U.S. Based)

Understand how to challenge inaccurate or unverifiable student loan reporting with confidence.

This educational kit is designed to help you review and address potential errors in how federal or private student loans are reported to the credit bureaus — such as mismatched balances, duplicate entries, incorrect dates, or late payments during periods of forbearance.

With guidance based on the Fair Credit Reporting Act (FCRA) and Metro 2 compliance standards, you'll learn how to prepare and send dispute letters, request verification, and escalate when appropriate — all while documenting the process for your records.

✅ What’s Included:

• Student loan dispute letter templates

• Escalation letter for incomplete responses

• CFPB complaint guide

• Instructions on how to identify and document reporting issues.

• MOHELA

• Aidvantage

• Nelnet

• Great Lakes

• EdFinancial

• OSLA Servicing

• Navient (for older or transferred loans)

• Default Resolution Group (DRG)

• HESC (Higher Education Services Corp)

• CornerStone (now closed, but loans may have been transferred)

• FedLoan Servicing (now closed, but legacy loans may still report)

For educational use by U.S. consumers. Not intended as legal advice or credit repair services.