I have Defaulted on student loan. And now I am still paying to The New York State Higher Education Services Corporation (HESC) . I guess it's the state agency. And have about $7000 to go which I originally took loan only $15000 but after plus Interest $240000 totally. Recently, I pulled my 3 in 1 credit report I noticed that TU is the only one who reports about my student loan. You can take a look my credit report at http://www.geocities.com/jetsoho/Loan.jpg I would like to know if I pay off, Will this record be deleted? Or I have to wait for 7 years, Or there is other way to negociate with The New York State Higher Education Services Corporation (HESC) to delete this record??. Please advise Thanks in advance.