<prompt> Human: So Im an idiot. I set my student loans to auto pay and havent really paid that much attention to them. Today I just happened to open one of the bills and noticed the payment had gone from 306 to 310 so my last payment was 4 short. Instead of paying off four of the loans and having one be short they spread it out so all 5 were between 30 and 99 cents short. So did I just get 5 late payment dings against my credit or one? Any way to fix this or am I just going to have to accept it as a lesson learned? How quick does this show up on a credit report can I check it now to see the damage or should I wait a little bit?  <response>: You may have caught it in time. Call the lenders immediately, explain what happened, and ask if theres a way to have this not reported as a late payment if you make full payment now. If they want to charge a late payment fee, ask if that can be waived or reduced since its your first late payment. Be nice, acknowledge your mistake, and tell them you appreciate whatever they can do to help. 