Yo Adrian! Student Loan Debt's Got Borrowers Punch Drunk!

Pandemic Pause is Over Time to Rumble!

Listen the pandemic was like Apollo Creed givin' everyone a break right? But now the bell's rung and those student loan payments are comin' at ya like Clubber Lang in the third round! Payments started back in October 2023 but if you were laggin' they used to give ya a little leeway. Now? Forget about it! It's like Mickey said 'Time waits for no man!' So Uncle Sam ain't playin' no more.

Credit Score KO!

These loan fellas started reportin' the late payers to the credit bureaus back in January 2025. And get this – if you're over 270 days behind they might start takin' money right outta your paycheck! Just ask Kayla Quinones from Florida. She checked her credit score and BAM! Down 137 points in January alone! She said she didn't know she had payments due. It's like when I didn't know Apollo was gonna be so fast on his feet ya know? Lesson here? Pay attention to those emails even if they look like spam. Otherwise your credit score is gonna take a serious beatdown!

Borrowers Feeling the Pain!

Kayla ain't alone see? There's a whole lotta folks out there gettin' their credit scores knocked around. A report from the New York Federal Reserve said nearly 14% of borrowers had loans 90 days past due in the first quarter of 2025. That's a lotta people eatin' canvas Adrian! It's like goin' 15 rounds with the champ and not even knowin' you were in the ring!

Fight Back Don't Go Down!

Mervelline Aflata from Dallas she lost her job and got behind on payments. Credit score took a dive. But instead of throwin' in the towel she started researchin'. Found out she could ask her loan fellas for a 'goodwill removal' of the delinquency. It's like gettin' a rematch ya know? She even used that new ChatGPT thing to get some answers. This AI thing is pretty good but it won't replace Mickey trust me.

The Goodwill Punch!

So Mervelline asked for that 'goodwill removal' – basically beggin' 'em to take the hit off her record. They couldn't take it completely off but they sent her a letter sayin' she was in good standin'. Then she disputed the missed payments with TransUnion and BAM! Missed payments gone score back up! She's lookin' to buy a house see? Can't be doin' that with a busted credit score. Shows ya gotta keep fightin' even when the odds are stacked against ya!

It Ain't Over 'Til It's Over!

So listen up. If you're gettin' hammered by these student loans don't just lay down and take it. Work with your loan people. Look into those repayment plans. And if you mess up try that 'goodwill removal' thing. It might just be the uppercut you need to get back on your feet. Remember what I always say 'It ain't about how hard you can hit but about how hard you can get hit and keep moving forward!'