None of the defaulted loans are listed in the reports. I know for sure I had 20+ lines of bad notation regarding these loans in my Experian report a couple of years back. BTW, current Experian does report the 3 recent requests by my collection agencies: "Collection purpose". My questions are: 1) I thought student loans are listed forever (or until they're paid off). How come they are off mine? 2) I still want to pay off my loans (and get the CA off my back). However, I wonder if I should go the rehab route or negotiate reduced settlement? If settlement, I wonder if the partial paid off will be a negative notation on my report? I am assuming once I resume payment, this new activity will restart the clock on my credit reports. I am considering settlement because I assume I can reach a reduced payment amount with the CA. Any comments/suggestions? Thanks.