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if your student loans are not in default not in collections not charged off get the stepping stone [Music] if i wrote you a symphony just to say how much you mean to me what would you do [Music] all right if youre new to my channel hi im m.c and im just going to get straight to the point okay all right number one student loans are open but have some late payments you have two options here two option one send in the late payment removal letter to the credit bureaus okay i put it on the screen take a screenshot of this you want to send this letter in to the credit bureaus i advise only disputing one to two payments at a time okay just one to two and once you get your results back if the payments have been updated then proceed to move on to the next two payments but do not try to dispute 10 15 payments at one time because it aint gonna happen its not gonna theyre not all gonna be updated and removed magically because you sent this letter okay no option number two send a goodwill let