Hi all! I was laid off last year and unemployed for a while and was unable to pay my student loans for several months. I was toying with the idea of starting to pay them back now that I'm employed again, but in checking my account, the loan was totally gone. I did some research and found that maybe this means the debt was sold to a collections agency, so I requested my credit report to check who owned the debt now.

The debt with Citizens Bank (where my student loans lived) is listed as a Charge-Off with 0 balance. However, there is no collections agency or anything to be found on my report??? The debt seems to be nowhere. It seems to have been closed on 2/29/2022. Maybe I just need to wait for it to show up with a new owner?

I recently got a new phone so I don't know if anyone has been trying to contact me, but I've gotten no physical mail or e-mail to speak of about this either. Anybody know what's going on here?? I didn't stumble into a miracle situation where my debt just poofed, did I?

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This is a private student loan that was started with Sallie Mae/Navient but refinanced through Citizens a few years ago if that's necessary info.