Your Student Loan Payment Is Back. Don’t Let It Wreck Your Credit.

Yes! You Can Buy a Home with Keith Goeringer · Aug 21, 2026 · 12m

If you have not made a student loan payment in years, check your account now.

We are seeing borrowers with strong credit suddenly show new student loan late payments because they did not realize their payments had restarted.

Some missed an email. Some thought their loans were still deferred. Some had the money to pay, but never knew a payment was due.

In this episode, I break down what is happening, why the 90-day mark matters, how the 2026 student loan repayment changes affect borrowers, and why this becomes an even bigger problem if you plan to buy a home.

If you have federal student loans…