Late payments (of any kind) can cause your credit score to drop by 50 to 100 points. That is a BIG change. Defaulting on your student loans, which occurs after a 120-day delinquency on private student loans and 270 to 360 days for federal student loans, can have an even bigger impact on your credit score. Follow this link https://lascruces.asapcreditrepairusa.com/