Maybe someone can offer some expertise or insight into my complicated situation.  I am sorry for the long post, but I hope some of you will please take the time to read it. Here is my situation.  My anticipated graduation date from college was 1 May 2003.  I ended up having to contract a class over the summer to graduate because my school cancelled credit for the trip I took to Europe because of the events in Iraq.  So I was actually a halftime student during the summer until 11 August 2003.  Reporting enrollment information to the National Student Clearinghouse (NSC) for summer term is optional, so my school never reported that I attended over the summer.  When NSC received the report for fall 2003 from my school, I was not on it (because I had already graduated), so NSC did what they call a calculated withdrawal .  This means that because the last enrollment date in NSC's system for me was 1 May 2003, that they recorded that I withdrew on that date.  They did this without notifying me or the school.  They sent a report to all my loan lenders on 1 October 2003 certifying that I had withdrawn on 1 May 2003. In September 2003, I had already taken care of getting all the appropriate forms completed to notify my lenders of my correct enrollment dates.  I verified that all the grace periods on my loans had been adjusted to reflect the dates, and all were to end in February 2003.  Of course, the report from NSC in October made all my lenders update their systems with the wrong information, and reverted my grace periods back to ending in November. Soon, my loans became due early, but I didn't notice them all right away.  I have three private loan lenders, as well as federal direct loans.  I noticed that one lender, ACS, had the wrong grace period sometime in November 2003.  After talking with them, I first became aware of the Clearinghouse , and I began trying to get the information changed.  I called my school several times.  No one seemed to know who was responsible for updating information in the Clearinghouse.  At least I got them to send another letter to ACS to straighten things out temporarily. In early January, I began the process of consolidating my federal direct loans.  But I got a surprise when I saw that my account was about *60* days delinquent.  I contacted Direct Loan Servicing, and they informed me of the dates that they had received reports from NSC.  I looked up NSC on the Internet and called them, and they said that the last information they had received from the school for me was in spring 2003.  I then learned that reporting summer term was optional. NSC also told me that reports can only entered into their system in chronological order, which meant my information was *locked*.  I told NSC that this is a huge problem since lenders are free to check the Clearinhouse whenever they want, so this would be an ongoing problem unless the information was corrected.  Letters from my school would not be enough.  NSC called Direct Loan Servicing and confirmed that this recurrent problem would exist.  Finally, I learned about the calculated withdrawal procedure. Next I called the school and made them contact NSC to start getting that information corrected.  I finally got the person in charge of updating the information.  It took a week, with many many phone calls, and we had to wait for a special person to get back to NSC's office so that my infomation could be updated to be *correct*.  But, this infomation would not be available to lenders for at least another *30 days*.  I couldn't believe the slowness of the system!  By this time I had less than two weeks to consolidate my federal loans within the grace period.  Consolidating within the grace period is important because you get the lower grace period interest rates, which would go up upon entering repayment.  They normally recommed to consolidate a month in advance so that things go through in time.  The school had sent two letters to Federal Direct Loans confirming my correct enrollment dates, but of course they were not being accepted for one reason or another.  Time was wasting.  So, in the meantime, I processed a second In-School Deferment request, which had to be signed by the school then sent to Direct Loan Servicing, and called to make sure it was applied immediately.  Thank God you can apply over the phone and it is the application date that matters to establish the interest rates, not the date the consolidation is completed.  (At least that's what a supervisor in the Direct Consolidation Dept. assured me; the consolidation is still pending.) No one wanted to accept fault for the incorrect information sent to my lenders.  My school said they weren't at fault because they were unaware of the calculated withdrawal procedure, and because the information they received from NSC is five inches thick.  NSC doesn't accept fault because they say it is the school's responsibility, and is outlined in the agreement they have with the school.  Everyone depends on NSC, and when NSC doesn't work, nothing happens! Now for my current problem.  In early January when I found that my Federal Direct Loans were recorded as delinquent, I also looked through all my other loans, and found that Sallie Mae had started my repayment period in January 2003.  I supposed they had done this because I took out a loan when I contracted the summer class, and on the application wrote that I anticipated to graduate in July.  But I didn't finish the contracted course until August; I mean I was really, truly enrolled half-time in August, not just graduating.  So far my school has sent at least three letters to Sallie Mae notifying them of my enrollment as a half time student until August 2003.  I have also called Sallie Mae *many* times.  They keep telling me that the letters from my school do not contain the correct information, and when I request a copy of the letters from Sallie Mae, they promise to fax it to me, but never do!  They will not listen to me because they insist that they must wait for the report from NSC.  In the meantime, my account is approaching 45 days delinquency, at which time they will report me and my coborrowers to the credit bureaus.  My coborrowers (parents) said that Sallie Mae was calling them every other day. Finally, my coborrowers filed for a forbearance on the loan to prevent the negative impact on their credit.  I told Sallie Mae that they can't just sit back and wait for my loan to become 45 days delinquent, that they need to call the school or NSC.  I explained that with all the letters and calls they had received, that this should warrant some special attention.  But everyone was *very* unwilling to help, and said that they don't call the schools, the schools call them.  I can't believe this!  I don't know if Sallie Mae thinks I am a liar or what, but if they would just make the effor to verify with NSC, they will see that I am correct. I can't prove anything on my own.  only the school and NSC have the authority to do that.  I have called *everyone* numerous times to try and make things happen, but nobody seems to budge.  Yet, I am the one who is penalized.  This is so unjust.  I have considered a lawsuit, but I don't think that would get me anywhere.  What can I do!?