• I stopped paying on nearly all my federally-backed loans like 6yrs ago? In that time, I’ve financed a car at a great interest rate, and I’ve been able to open credit cards with no issues. My private loans and one federal loan are paid on time all the time, along with car loan, and credit cards.

      Of course, the big one would be a mortgage loan. Idk how my defaults would affect trying to apply for a mortgage.