disenrolled 22 days before graduation

JMHO, but just because it was removed from his credit report after the standard 7 yr time frame does not mean the "debt" is erased. Federal Debt has some strange caveats sometimes and he may well find the credit report reinstated if the govt or collection agency see fit to do so. And just because his credit report is clean does not necessarily mean the debt is "cleared". I would have him contact DFAS and find out if the debt is still there or if his account is closed. Better to be in the know than wondering going forward ..:)
 
Impulsive said:
JMHO, but just because it was removed from his credit report after the standard 7 yr time frame does not mean the "debt" is erased. Federal Debt has some strange caveats sometimes and he may well find the credit report reinstated if the govt or collection agency see fit to do so. And just because his credit report is clean does not necessarily mean the debt is "cleared". I would have him contact DFAS and find out if the debt is still there or if his account is closed. Better to be in the know than wondering going forward ..:)
Click to expand...
Exactly my thoughts when I read this.
 
Having been through something where my oldest claimed himself (incorrectly) as independent...got a lot of money, and then a tiny little letter he needed to pay that back... I can attest to the “interest factor”.

He wasn’t reminded about his debt. I would think there would be more outreach, ‘just because’, but there wasn’t. It could be easily missed. And was. And therefore substantial interest accrued.

There has to be a way to get something IN WRITING that there is no further commitment. I personally wouldn’t stop until I had the answer.
 
I was happy to see he has a good job and his life is moving on, successfully.

I wouldn’t rest easy until I had something official in hand from DFAS that spelled out the status of the debt. I hope it is simply a matter of calling them and getting a routine form letter.

If a normal request doesn’t do it, that’s when you elevate to the DFAS hotline or even a letter to your Representative, who will initiate an inquiry.

If not completely resolved, then it might rear its ugly head down the road for a security clearance, IRS audit, loan request.

Of course, all the dust may well have long settled and there is paperwork to prove it.

Best wishes to a young man who has persevered.
 
JMHO, but just because it was removed from his credit report after the standard 7 yr time frame does not mean the "debt" is erased.

We know that the debit isn't erased. But credit score is a big deal. He makes enough money, but wasn't able to buy a house, car, etc... without someone co-signing in the past.
 
Wow.

I never read this thread before.

Wow.

@bigdog77515, being tested since 2013. ;)

Let me just say that I am impressed by your candor, and the fact that DS can still walk without a limp. That whole "cheating on him and now they're getting a divorce" thing sort of took me by surprise there. If it wasn't for the Ronageddon, I would ask to shake your hand. My very best wishes go out to you and your family. I hope that it all works out for the best.
 
Maybe not the most surprising thing to hear, but I mean pray for your son at the very least. God always has a way for everyone.
 
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