tips on how to repairYour student loan payments score determines if you will be approved for student loans, a car purchase, and other things. Even if you just need minor repairs in your student loan payments, this article can lead you on the right path to restoring your student loan payments health. To start, you need to get a physical copy of your student loan payments report. You are entitled to one free student loan payments report a year, but may have to pay for your student loan payments score. Knowing where your student loan payments stands is a very good way to start figuring out how to repair it. If you have been contacted by a loan officer, discuss your options for setting up payment plans or scheduling deferred payments. When you come up with a good plan that all parties agree on, make sure that you stick to this to plan no matter what. Now, you can turn your attention to bills that must be paid immediately. Get a copy of your student loan payments report and make a list of any negative items. You can go over this list in detail, and possibly find errors or false information. You will be able to fix your student loan payments if you know what the negative items are. It is absolutely essential that you know your rights before you make contact with any collections agencies. They are prevented by law from harassing you. You are not even required to speak to them if they call. You do not have to worry about being sent to prison for not paying a particular bill. Laws vary by state, so make sure to research what actions are illegal for collection agencies in your area. If you are frustrated, ask the collector to discuss things through writing. Ideally, you want to keep 70 percent of the available student loan payments on your student loan payments cards free. student loan payments cards with more than 30 percent of available student loan payments debt will overload you with large payments and finance charges that can seriously break your budget. If you have bills that have been referred to a collection agency, try to work with them to agree on a payment plan. It is also possible to set up a payment plan before the bill makes it out to debt collectors. Trying to avoid conversations with collections agencies will only make your problem worse. Talking to debt collectors allows you to work out a payment plan. Tell them what is going on, and be honest about how hard things are for you. They may be able to help you lower the amount you owe or set you up with a payment plan that you can manage. If you are upfront with loan officers, they may work with you. You can keep up with any student loan payments issues by utilizing the tips found in this article. Lessen the amount of stress in your life with these helpful tips as they will help you repair your student loan payments and improve your student loan payments score.