I made arrangements to repay through Ed-Fund (they call themselves "A servicer of the California Student Aid Commission". They had a "Rehab" program in which they would remove all the bad marks from your credit report after 12 on-time monthly payments. Of course, I paid too much, too quickly and did not qualify because I didn't owe enough by the time my 12 payments were made. Now the item appears as a "Paid Collection" on my credit report, and is scheduled to continue until 2006! Had I never paid the debt, it seems like it could not appear on my credit report past either 1999 or 2001 depending on how the numbers worked. I certainly appreciate the help in obtaining my education, but I just can't see this as an ethical practice. I have disputed the info with the CRA's, but it has come back as verified and accurate! What can I do? What message does this send to people thinking about paying off their student loans? Don't Pay. BTW - the student loan was sold while in default (several times). It appears on the credit report several times and it looks like I'm thousands of dollars in debt. Ridiculous!