<prompt> Human: If you take out a student loan each semester or ea year, on your credit report you have multiple line items, one for each loan. So if you make 1 consolidated loan payment each month and miss one or late, it means each loan on your report is late, multiplying the damage.  <response>: Yep, I have 5 separate accounts with a 90-day from 2014 from missing my one loan payment for several months Obviously my own fault. I dont think its a huge effect on my score at this point, but every single credit report I get mentions it as the top driver. Once they go away Im hopeful I can break into the 800s 