Want to repair my credit

SoapLady can advise you regarding your student loan but she'll likely want to know if it's Federal or Private. You can get a free credit report once per year from all 3 credit bureaus by visiting annualcreditreport(dot)com. You can print them from the website or call the number at the site and request to have them mailed to you.

I did go and print out the experian report. The student loan is thru sallie mae...is that considered federal? I noticed that there are many being shown as closed for it, does this negatively affect since there are so many?

As per Sallie Mae's official website, they offer private student loans. Thus, I don't think your loan through Sallie Mae will be considered federal. If you have been paying off your dues on time, then though you have a large number of loan accounts, it won't affect your credit badly. If you pay off the dues on time, it will have a positive affect on your credit.

I check our credit reports every fall. We settled on 9 cards and ours tanked about 200 points overall. But they have, with time, and our debt to income ratio getting square around recovered to pre-settlement levels. Yours will too but it does take time.

2 free reports a year now.... Call each credit reporting firm and do the automated call...