I won’t get into details publicly, but this article is exactly what I felt when I started getting my loans back on track! I was so nervous to make that first call, but they were SO nice and helpful and objective. My worries of getting yelled at as if my dad was on the other end of the phone dissolved instantly; they’re not our parents, they don’t care about us, which is a GOOD thing! They just want to politely set up a plan and move on to the next stranger on the phone. Getting the loan rehabbed was like a black cloud over my head had been lifted! I was barely working at the time so I only made $25 payments for those 9 months but I was SO PROUD!! After I hung up the phone after setting it all up and making the first payment I wanted to scream to the world what I’d done! I was elated! Walking on air! Except that… screaming it and announcing it would be showing I’d defaulted, so I had to keep it to myself, LOL. I told two other people who I knew would understand and they were happy for me for about a day. :-) Biggest relief ever!