<human>: First, I am admittedly ignorant about all things credit/finance/good sense. Please show mercy. 

So I recently had a revelation about how important it is for me to work on my credit in order to be able to get a house within the next decade. My credit is dead in the water (684 avg) with all previous cards closed, some were delinquent, but all paid off. So, I talked to my bank to see if there was anything they could do to help me help myself.

I applied for a credit card (no dice), but the banker showed me my print out and talked to me about what I could do. She asked about why I had student loan delinquencies even though I'm in grad school currently. I told her that there was a period during undergrad where I took a break from school, the student loan bills came, I ignored them because I knew I was going to be back in school in a bit so didn't think they were ever serious. When I started back in school sure enough the bills stopped and I thought that was an indication that I was good.

Well the banker told me that I should dispute this and try and get this off my credit report, as it would really help my credit score. Cool, but not really because I don't think that I really have any ground to dispute this, and I'm sure that there are some sort of consequences if I dispute something that's not a mistake. I was hoping that reddit held someone that had any experience or insight into this, along with any suggestions to getting back on track? Any help or insight is GREATLY appreciated. Thank you for your time!

Can you condense the text into a few key points?
<bot>: Is there a chance I could dispute and get a national student loan off my credit report, even though my only defense was being young, dumb, and just taking a break from school?