> If you had 20 past due copays that was worse than owing 20k Copays are typically (though not always) paid at time of service, not billed after-the-fact. In a

> If you had 20 past due copays that was worse than owing 20k Copays are typically (though not always) paid at time of service, not billed after-the-fact. In any case, it takes a long time for a bill to become overdue and get sent to collections; before that, it won't show up on your report at all. Having 20 different overdue bills (of any sort) in collections is definitely an objectively worse sign of creditworthiness than having a single active loan of 20k of any nature.