Recover your credit score after student loan delinquency
Take a 2-minute quiz and get a personalized, step-by-step recovery plan. Whether you need IBR enrollment, loan rehabilitation, or consolidation, we will show you exactly what to do.
2.2M+
Borrowers affected by post-forbearance credit drops
100+
Average credit score points lost
9-12 mo
Typical recovery timeline with the right plan
How ScoreRebound Works
Three simple steps to start recovering your credit score
Take the Quiz
Answer 5 quick questions about your loan type, servicer, and current situation.
Get Your Plan
Receive a personalized recovery roadmap with specific actions for your situation.
Track Progress
Log your actions and watch your credit score recover over time.
Recovery Paths
The right path depends on your loan type and situation
Income-Based Repayment
Lower your monthly payment based on income. Available for most federal loans.
Learn more →Loan Rehabilitation
Make 9 on-time payments to remove default from your credit report. One-time opportunity.
Learn more →Consolidation
Combine multiple loans into one with a new repayment plan. Brings loans current immediately.
Learn more →Ready to start your recovery?
Take our free 2-minute quiz and get a personalized plan today. No signup required.
Start My Free Recovery Plan