<prompt> Human: So I have federal student loans. I technically have 8 different ones, as each year, I took out a subsidized and unsubsidized loan. However, I just make one payment each month that covers all the loans under one umbrella through the company that handles the repayment of my federal loans; they treat it like its one balance and one account as far as I knew.So, I messed up and went 60 days late on my payment. I legitimately forgot to pay it. Long story short, the agency handling my loans has been a nightmare, robbed me of over 2000 in withdrawals without my permission and I was not past due and left me with no money in a dire time of need, so I have autopay turned off for my student loans because I dont trust them. All my other bills are on autopay, so I forgot.Excuses aside, I knew my credit would take a hit when I saw I had missed 60 days, but how bad could it really be if I just miss one payment, right? My credit was 710 prior to this. Well... I just checked my credit, and its 500. WTF?!?!?!Looking at my derogatory information, it looks like the agency reported EIGHT payments 60 days past due, because they reported every single loan even though I only make one payment...So now it looks like I have eight SEPARATE accounts 60 days past due. When that is extremely far from the truth.What the hell can I do? Ive already brought my account up to date, but this cant be fair. Is there any course of action? How long will it take to get my credit back up if Im not able to get these removed somehow? I never have late payments otherwise.Im freaking out.  <response>: Of course its fair. Its what happened. Contact your loan servicer and explain the situation. Dont miss a payment again. 