Private College Student Loan

How can I find out if I defaulted on a private student loan?

I had been 3 payments behind on my chase student loans. I tried applying for a forbearance with them but they said I had to have been paying for the loan for a least a year in order for the forbearance to be granted. So, the only thing i could do was not make the payments because I didn't have any money and they were not willing to give me a forbearance or some type of extension for 4 months. I know I should have made my payments on time, but I couldn't because I was unemployed for like 8-9 months. I had to stop searching for a job b/c my dad fell ill so I had to stay home and take care of him for a couple of months. I just recently got a job and was able to pay those late payments and now I am up to date on my loans. I asked this question before and all the answers I kept getting were from people advertising a lender in order for me to get a loan. I am not looking for a loan, I am already up to date on mines. I just want to see if at one moment during the time I didn't pay I had been in default. I feel bad because my mom is my co-signer and I think it affected her credit, which she had a pretty good credit. Also, she doesn't know I fell behind 3 payments and that makes me feel worse.

Public Comments

1. Order your credit reports at annualcreditreport.com. You can get the reports online or sent to you in the mail. Look at the reports to see how the student loans are being reported. It is a safe bet that if your reports show them delinquent that your mom's are showing the same. Or you could call whoever holds the loan and ask them.
2. Since you've been making payments, you aren't in default. But you can't erase the three months you didn't make payments. You need to let your mom know about this because it does affect her credit and if she goes to buy a car or get credit for anything else, she's going to find out about this. Better to 'fess up before it comes back to bite you...
3. If your mother knew you were unemployed and taking care of your dad, unless you lied, she probably has figured out you fell behind... Talk to her, ask if she's pulled her credit report and if there are any dings on it from your nonpayment. As far as the 'loan offers' go, 90% of those aren't reading your question to begin with... They are advance fee loan fraud scammers... Use the 'report abuse' button; it's illegal - fraud & solicitation