I attended XXXX university from XXXX until XXXX. I returned home due to having a baby after completing my XXXX year of college. ( loans should not have been repayable until XX/XX/XXXX ) I then attend XXXX University from XXXX until XXXX - I submitted paper work for in school deferment while if was attending XXXX and XXXX XXXX. However now it has come to my attention that I did not received the in school deferment. Again loans should not have been may repayable until XXXX. Also I have also made payments, the best I could, as I was getting numerous collections calls during this time and now it has come to my attention Navient is showing my and my co-signers account as be 3-4 months past due. I would like to get credit for the months I was in school along with our credit reports reflecting no late payments are there should have been none due.