use this advice to fixIn modern times, many people need a way to fix their student loan payments situation. This site can help you repair your student loan payments situation regardless of how much improvement it needs. Make sure that you always know your student loan payments score and understand the information on your student loan payments report. A limited number of student loan payments reports by the three major student loan payments reporting agencies can be obtained for free each year. By determining the amount you owe, you will be able to repair your student loan payments. Be sure to talk to your loan officers to find a realistic plan of payment. Often times, they are willing to accept monthly payments or to delay a payment, so you have time to pay off your student loan debts with the collection agencies that are not as liberal with their payment terms. By doing this, you will be able to save money by not having to pay interest, which in turn, relieves financial stresses. Make note of any negative information on your student loan payments report. Review the list, and identify if any of these are due to mistakes or fraud. You can fix your student loan payments score if you what is affecting it negatively. When you deal with collection agencies, they must follow certain rules and guidelines. You need to know what the laws are in order to make sure that they are being followed. One very important law is that these agencies are not allowed to threaten or intimidate you. In fact, they cannot bully you in any fashion. If you aren't sure of what a collection agency can do, check into the laws in your state. If you are wellinformed, you will not become flustered easily when speaking with debt collectors. Make every effort to keep your student loan payments card balances under 30 percent of the student loan payments limit. Keeping your balance below this keeps payments reasonable and helps your overall student loan payments profile. If you have bills that have been referred to a collection agency, try to work with them to agree on a payment plan. This is also an option before your bills are referred to a collection agency. Trying to avoid conversations with collections agencies will only make your problem worse. By talking to the agency, you can set a mutual plan for repayment. Be honest with them, and tell them that you will try your best to pay off your student loan debt. It is possible that they will allow you to pay a lesser amount and/or help you set up a workable payment plan. Once your loan officers realize that you are serious about paying off your student loan debt, they will often find ways to make it easier for you to do so. By following the above tips, you can be on top of your student loan payments game. You can use these tips to begin repairing your student loan payments on your own.