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If the agency has a shot at getting paid, it would likely hold off on reporting a missed payment to use it as leverage.
After loan approval, it can take 2 weeks to 2 months for the lender to send the loan proceeds to the college or to you, as applicable.
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Over the next 22 months, they paid off $100,000 of the original loan balance
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As for the 502 USDA Guaranteed Mortgage, rural borrowers can obtain a loan with key benefits that you won't find with any convention program; however, the direct loan is intended for very low income individuals who would not be able to obtain any sort of financing for a suitable residence otherwise.
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