My payments on this debt are not being reported accurately. This debt began as a private student loan I took out while I was in graduate school. I finished graduate school XX/XX/XXXX and had no job and no other income. I defaulted on the debt because I had no way to make the payments. 
As soon as I was able to get a job and get back on my feet, I began making payments on this debt. I have made monthly payments for over XXXX years now, for a total of over {$6000.00} in payments. I still have over {$9000.00} left to pay on the debt. I have asked the lender for a rehabilitation option or some other way to get this debt back in good standing ( since most student loans have that option ), but they always tell me they do n't offer a rehabilitation option. 
Although I always make a payment of {$200.00} each month on this debt, this debt is reported every month as " Past Due. '' There is no way to tell from my credit report that I am making monthly payments on this debt. This company has agreed to accept $ XXXX monthly, and I pay them $ XXXX monthly. That agreement should be reflected on my credit report as " pays as agreed. '' Instead, I look like a deadbeat who does n't pay her bills. I just want my payments reflected accurately on my credit report. 
What makes the situation even more ridiculous is the fact that my father, who filed bankruptcy XX/XX/XXXX, has a better credit score than I do. I have made sacrifices and delayed goals like buying a house so I can pay off this debt. Even though I 'm doing the right thing by paying this debt off, I feel like I 'm being punished. Should I have just wiped out the debt instead by filing bankruptcy too? The way my credit report looks it seems like that would have been smarter. 
This debt is scheduled to stay on my credit report until at least XX/XX/XXXX. I 'm making payments every month. I just want those payments reflected accurately so I can move on from ruining my credit five years ago.