I began my full-time XXXX school program for my XXXX in late XXXX XX/XX/2009. All of my undergraduate loans except my NJ Class loans were automatically deferred due to me being a full-time student. When I called NJ Class to ask why they were still sending me bills, they said they would not automatically defer my loans and that I had to send them paperwork. I filled out the paperwork and sent it in. It took them until XXXX to actually put the deferral through. I did not pay in XXXX and XXXX XX/XX/2009 because I was a full-time student and did not have the money to pay. They marked my account delinquent, even though I sent them the paperwork to have my loans deferred. They must have taken forever to open up and process the paperwork I mailed in. They used to do the same thing to me when I mailed them checks. When I called them to work it out no one ever answered. If you do a search for NJ Class/XXXX on XXXX it becomes very clear there is something not right with their organization. 

I disputed this delinquency with XXXX I provided the necessary paperwork to prove I was a full-time student in XXXX and XXXX XX/XX/2009. They responded back that they checked with NJ Class and the delinquency was not an error. I do n't understand why they are taking NJ Class 's word for it when I have proof that I was a full-time student who was eligible for deferred status. 

If this delinquency is not removed, I will have a lower credit score than I should for two more years. I am in my XXXX and I would like to buy a home and start a family. I would also like to refinance my student loans. NJ Class 's error is going to keep costing me money in the form of higher interest rates on loans from my less-than-perfect credit score. This is the only delinquency in my credit report. I have other student loans and credit cards, and perfect payment records with all of them.