Just got off the phone with Dep of Ed. Collections. They say that because I consolidated my loans i.e. I made 3 big ole payments and then the loans were paid off by the consolidator rather than REHABBED my loans i.e. made 12 smaller payments to them before I consolidated my loan--they will not delete my charge-offs! "Sir, the only thing I would say that you could do would be to dispute the loans with the CRA's." "I did. But you guys verified, now if you could maybe NOT respond..." "Well, I'd say in that case that there is nothing you can do. Ever. You are stuck, Chuck. Plus, we're goin to report your default on your unborn son's credit too--just to keep it interesting. You ARE the weakest link! buh-bye!" Well, he didn't actually SAY that last line or so--but he WAS thinking it! My student loans are WHY my credit is bad! Has anyone had any luck with simply disputing student loans away?