I log-on to my account, and there are big notices saying “DELINQUENT!

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They only give you one credit score, but that's enough to know if something is wrong.

Plus, Credit Karma is truly free (you may have seen their commercials on TV).

They recently took over a student loan of mine that was purchased by the Department of Education.

Since taking over my student loan, I must admit that they are absolutely horrible.

Remember, Fed Loan is a loan servicer, and so they WILL report any delinquencies or other issues on your account to the credit bureaus (Equifax, Transunion, Experian). What's worse is that they could be reporting false information, because the error was Fed Loan's and not yours.

Realize that if Fed Loan is telling you your loan is delinquent they may have also told the credit reporting agencies, and that will harm your credit score. I recommend you use a free service like Credit Karma to simply check you score.

I call back, and speak to another clerk, who tells me that Fed Loan has all kinds of problems with their payment systems, and that this happens all the time.

I finally have to get her manager on the phone, who basically admits this without actually admitting it, and fixes all my problems.

As we shift from a singular focus of interest-free loans to a bigger, better, more bountiful and universal wealth management prosperity and preservation approach; financial literacy really reveals itself as the overall optimizing goal to aim and strive for daily becomes acutely aware.