<prompt> Human: Let me begin by saying Im an idiot. I thought my student loan was in deferment Im unemployed and looking for work. I called up a nice loan officer and I filled out the stuff online that he recommended stating that yes, Im broke. Apparently, I did screw up here and state that I was making 200 a month teaching private music lessons - just trying to be honest.So I thought I had taken care of things, but after checking my credit report today, I have 5 months of 30 day late payments for my FedLoans. I plan on calling a loan officer tomorrow to see what I can do Im still unemployed. Is there anything I can do to get these late payments removed from my score? Theyve lowered my score by about 100 pts. Can I beg for a Goodwill Adjustment? Am I just screwed?  <response>: The good news is that they can apply the unemployment deferment retroactively so the account will show current now on the credit report. Unfortunately the late payments will still show until they fall off over time. You could try asking for a supervisor and politely requesting it be removed and explain the situation. Ive seen that work before - rarely - but Ive seen it. 