 TITLE: Your Options for Getting Out of Student Loan Default CONTENT: Does Getting Student Loans Out of Default Help Your Credit?\n-----------------------------------------------------------\nGetting out of default can have a positive impact on your credit long term. Late payments from before your loans went into default will continue to negatively affect your credit score, and can't be removed through federal default-resolution methods. But student loan rehabilitation can remove the default status from your credit report, which may help your credit.\nSince payment history is the most important contributing factor to your credit score, making on-time student loan payments after default will give your credit a chance to recover. Make sure to pay other bills on time, too, including credit cards, and keep other debt balances as low as possible. END