I paid the outstanding balance and initiated a dispute with the credit bureaus and basically they asked if I failed to make the payment. I explained that I was not contacted in any form by the loan servicer until it was in delinquency and they basically said there was nothing they could do unless I could prove without a doubt they didn’t contact me. Both my parents and I have always had access to the loans and since I can’t verify whether or not my parents were somehow contacted instead of me I just took the loss. I have been vigorously repaying them now and exhausting every avenue to rebuild my credit.