XXXX XXXX XXXX XXXX XXXX and American Education Services ask for XXXX payment for multiple student loans. I missed a few payments in the past, but they reported to my collection agency that I missed a payment on every single government loan. If they ask for XXXX payment per month, it should only report to credit bureaus that you missed XXXX payment, not multiple. Though all of my students loans are paid to date, this is killing my credit score and preventing me from obtaining a mortgage. This has happened to thousands people and their credit scores and it needs to be addressed.