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The YouTuber, "the credit dude," talks about the importance of addressing student loan debt even if payments are postponed. If you have been in collection or default status before the pandemic, you still need to get in good standing to improve your credit report. However, if you had on-time payments before the pandemic, the payment postponement won't negatively impact your credit. Many clients still have negative student loan debt, so it's crucial to address and manage it effectively.
