Credit score dropped 30 pts despite $0 balance (Aidvantage/FSA mismatch) Looking for some insight or to see if anyone else is dealing with this reporting nightmare. I have been incredibly diligent about my student loans and consistently make my payments. Because of this, my Aidvantage account has shown a $0 balance for a few months now. However, I just noticed a 30-point drop in my credit score (Experian). After some investigating, I found a major discrepancy; my Federal Student Aid (FSA) does not reflect the $0 balance that Aidvantage shows. Even though I’ve paid it down, FSA is still showing a balance, which I suspect is causing the credit hit. From what I’ve gathered, there’s a massive backlog/legal issue affecting reporting (tied to the recent 2026 shifts in repayment plans and the SAVE plan litigation). I work for a non-profit, and to deal with this "pending" status, I had to put my account into forbearance. Nonetheless, I’m aware that this forbearance means my ongoing payments won't count toward PSLF.…