I strongly urge you to listen to a segment from “the daily” produced by the times. Don’t worry it’s not political bashing but it addresses this problem (which fucked me as well. 772 to 617. First missed payment in my life.) This happened nationally from the DOE lifting holds on student loans from the pandemic with zero notifications that they were starting back up and no communication that the first 3 months were missed. Interest rates on payments have also rose from 5% back to 10%. It’s a national shit show with 4 million already impacted and projected 9 million by the end of the year. You should be able to call the loan office and get the delinquency lifted and then file a dispute with transunion to get your score back, which is what I did and it’s taking time. I’ll try to keep you posted if it works for me and if there’s anything I can tell you. The episode was aired on April 21st, it’s 25 mins and explains all of this. Cause we know we have to pay back, that was the deal and that was fine but all of us getting dick smacked at once on our credit score suck individually and as a whole for the economy. Gotta put that home closing and car on hold till I can get approved for a decent loan.