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yo whats going on everybody its your boy the credit dude long hair dont care letting it grow out for the 2022. [Music] but uh yeah i just want to come on here right quick guys listen i know theres a lot of people that have questions about the student loans about it being postponed payments being postponed until i think its may now but check it out if you havent been painted at all for years even before the pandemic and youre in collection or charge off status or default status listen you still gotta you still gotta get in good standing with them even though theyre not pursuing the collection theyre still negative on your credit report we get a lot of clients that come to us that still have negative student loan debt okay so if you were positive like if you had on-time payments and you were in good standing up until the pandemic when the pandemic came and they paused the student loans then it wouldnt affect your credit okay because it made it seem like you were still making p