I will never be able to pay off the thousands of dollars of debt I have with my income so please understand this question comes from absolute desperation. If I participate in the Fresh Start program and my student loans subsequently go back into default, will the original delinquency date be used for credit reporting purposes, or will a new delinquency date be applied?

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I'm pretty sure it will. Fresh start just pulls loans out of default. Then they appear on your credit report.

Sorry to hear OP. Hang in there and do the best you can 🫶

Are these private or federal loans? If federal you should be in the PAYE program where you only pay 10% of your income.

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