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hey whats up YouTube van Brennan would be here once again student loan consolidation alright lets talk about it hey Brandon Im going through student loan consolidation now Im concerned that the late payments from being in default will continue affect my credit even after the student loans are paid via the consolidation in the meantime I sent the first round of letters do you think once the consolidation is completed the CRA s will remove the individual loans that will show paid thats a good question no they typically dont were gonna get into why and how you can change that they also ask is it better to just let them stay on since theyre not going to report as theyre not going to report us pay because of the consolidation where theyre going report is paid I think maybe because of a consolidation so theyre gonna be reported as pay because the consolidation loan is a loan to pay the student loans they go away thats out of default those are paid off and you have a new student