Not really sure, and the best way to find this out, is to either call them and ask, or get a current (free annual) credit report, to see exactly what's on there. If it's not in default, then you shouldn't worry. But, just the fact that you are getting ready to make a large purchase, with no prospects of paying down the student loan, and other important bills, leads me to believe that you may be putting your self in credit danger in the near future. You may want to rethink your plan to include this student loan debt along with your other debt, before purchasing a new house. Or make arrangement/refi/lower interest on the student loan, and other bills before you purchase this home.