How Missed Student Loan Payments Are Impacting Credit Scores in 2025
After the pause during the pandemic, millions of Americans resumed student loan payments in late 2023 and throughout 2024. Now in 2025, we’re starting to see the real impact: missed payments are hurting credit scores across the country — and many don’t even know it’s happening.
Why Are Student Loans Hurting Credit Now?
Starting in 2025, major credit reporting agencies (Experian, TransUnion, Equifax) began reporting missed federal student loan payments again. Even being 30 days late can cause a drop of up to 100 points in your score.
What Does That Mean for You?
Harder loan approvals
Higher interest rates
Increased insurance premiums
More difficulty renting homes or financing cars
How to Minimize the Damage
✅ Set auto-payments with reminders
✅ Contact your servicer ASAP if you miss a payment
✅ Consider applying for an income-driven repayment plan
✅ Start credit repair with a team like Scuderia 800
How Scuderia 800 Can Help
We help clients remove harmful late marks (when eligible), build healthy credit habits, and join Club 800, where we guide you with strategies and tools to recover fast.
📩 If student loans are dragging down your credit, don’t wait.
Let Scuderia 800 help you rebuild with confidence.
Text us now and ask about Club 800.
