I am one month away from being "rehabbed" in terms of my student loan. I was looking at something NYSHESC sent me, and it says that they will notify all credit bureaus to remove the default status. Since theyre only removing the default status, how much should that affect my score? I have so many lates, etc, and its a collection account (even if not in default), plus I have the original creditor still listing it. Any thoughts?