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Student Loan Debt Listed as “Government Claim”

Dear Experian,

On one of my student loan accounts this was posted: “Government Claim/Insurance Claim.” What does that mean?


Dear RSC,

Federal student loans are guaranteed, or insured, by the government.

A student loan with a status of “government claim/insurance claim” indicates that when you defaulted on the loan, the lender filed a claim with the government to recover the amount due. That status means the account was paid and closed, but that the government paid off the loan and not you.

It doesn’t mean, however, that you do not still owe the debt. Typically, the government will open a new account for the student loan debt. The new account will likely also appear on your credit report.

Thanks for asking.
The “Ask Experian” team

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