How I Removed Student Loans from my Credit Report in 3 Days
I was able to remove student loans from my credit report in 72 hours because the POSOTUS (Piece of Shit of the United States) has, in his efforts to decimate the Department of Education, signed an executive order to dismantle the DOE and shift federal student loan responsibilities to the Small Business Administration (SBA).
As a result, there’s now a legal and administrative gray area that lets student loan borrowers file credit report disputes with the three bureaus: TransUnion, Experian, and Equifax.
The student loan accounts on your credit reports are essentially unauthorized accounts — because when you signed your Master Promissory Note (MPN), your legal agreement was with the Department of Education — NOT with private servicers like Nelnet, MOHELA, or Aidvantage.
This transfer of your account also included the transfer of your personal information — name, address, phone numbers, Social Security number — to private entities without your consent. That’s a potential violation of theFamily Educational Rights and Privacy Act (FERPA), which protects your educational records and limits who can access them without written authorization.
💡 TL;DR:
I got multiple student loans deleted from my credit report in just 3 days using Credit Karma and a legal FERPA-based dispute — all for free, and straight from my phone. No credit repair company. Just screenshots, receipts, and a system glitch I fully exploited.
💥 How to Remove Student Loans From Your Credit Report Using Credit Karma
This process worked for me in 3 days flat. You can do it entirely on your phone using the Intuit Credit Karma app.
💡 This tutorial focuses on disputing student loan accounts with Equifax via the Credit Karma app. I’ll cover TransUnion and Experian in an upcoming update once I can access those dispute flows again.
Step 1: Open the Intuit Credit Karma app
(Or sign up — it’s free. I’ve used it for years to track my credit, file taxes, etc.)
Step 2: Navigate to the “Credit” tab
Step 3: Scroll to “Dispute errors on your report” and click “Go to Dispute center.”
Step 4: Click “I need to dispute with Equifax”
🙃 I’d love to walk you through TransUnion’s steps too, but since I already have an active dispute open (Credit Karma has put a cap on one at a time), their system is basically like “nope.” I’ll post a full breakdown once I’m allowed back in. Stay tuned for Part 2.
Step 5: Click “SUBMIT A DISPUTE”
(This redirects you to MyEquifax within the Credit Karma app. This will prompt you to fill out your information and create a MyEquifax account. If you already have one, you can just select “Sign in here”)
Step 6: Click “FILE A DISPUTE” and check the authorization agreement pop up to continue
Step 7: Choose “Credit accounts”
Step 8: Locate your student loan account, click “View Account Details”
(You’ll repeat this process if you have more than one student loan account)
Step 9: Scroll down and click “FILE A DISPUTE” under “Disputes”
Step 10: Choose “Account ownership and fraud issues”
Step 11: Select “I am not legally responsible for this account”
Step 12: In the comments box, enter:
“FERPA laws violated. No permission for access.”
It says optional, but I included this and got results — so I recommend adding it.
Step 13: Click “CONTINUE”, Skip Document Upload
(This step is optional, and I didn’t upload any documentation)
Step 14: Review and Submit Dispute
Be sure your information is accurate before choosing “SUBMIT DISPUTE”
Step 15: Wait.
You’ll receive email updates directly from MyEquifax. Repeat steps if you have multiple student loan accounts on your report.
👀 Shoutouts + Sources
TikTok: Shout out to @bkfaatz86 for putting me on. The video is buried, so scroll her page and watch the full thing. I discovered it via an anti-Trump Facebook group post on student loan cancellation. In solidarity with the original poster who shared it quietly, I’m giving you the same trail.
📢 Threads:@the.spicy.librarian has been DOING THE WORK — especially around holding loan servicers accountable.
🗓️ Timeline
April 9, 2025: Found the TikTok and filed disputes with TransUnion + Equifax on the Credit Karma app
April 12, 2025: Got an email from Equifax — every student loan account: DELETED
📌 Here’s the actual language from my Equifax dispute result:
“THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE.”
I’m also planning to dispute directly with Experian (which isn’t available through Credit Karma). I’ll share an update on that process soon.
Speaking of which — Want to get updates when Part 2 (TransUnion + Experian) drops?
🔥 Why This Matters
Student loans are predatory. Period. They were designed to trap people — especially working-class, first-gen, and Black and Brown borrowers — in cycles of debt they can’t escape. Even borrowers who’ve made on-time payments for years often find that their balances have gone up due to compounding interest. It’s a scam. And it’s been legal for far too long.
We were misled. We were manipulated. And we deserve better.
Higher education should be free. Or at the very least, affordable and accessible like it is in most of Europe. The U.S. turned college into a business — and student debt into a weapon.
Removing student loans from your credit report won’t erase the debt, but it might just give you some breathing room. And that matters. Because a better credit score can unlock real things:
a new car
a mortgage
a small business loan
lower interest rates
a fresh start
My hope is that this post helps you reclaim even a little power — even if it’s just enough to breathe while we wait for this broken system to burn.
And let me be clear: Student loan cancellation is not radical — it’s the right f*cking thing to do.
Thanks, Trump (you fucker).
📝 Disclaimer
I am not a financial advisor, lawyer, or credit repair professional. This post is for informational purposes only and is based on my personal experience. Please do your own research and consult a licensed expert before making financial decisions.
P.S. This isn’t credit repair. This is ‘how I hacked the hell out of a broken system using publicly available tools.’
