What happens if I am behind on my student loan for more than 90 days?
In that case your loan servicer will report delinquencies to the top three national credit bureaus
What if my payment is due?
The first day after you miss a student loan payment, your loan is past due or delinquent.Your loan account remains delinquent until you repay the past due amount or make other arrangements, such as deferment or leniency, or changes to repayment plans .