My husband defaulted on his student loan before we were married. When we got married we called them to set up a payment plan to get back into good standing. They originally wanted 1500.00 down and 200 a month. We talked them down to 500.00 down and 200 a month. We have been paying every month since Oct and next month is our last payment before our acct goes to a new lender who will adjust our payment to a little less. I think VanRu is a okay company who has tried making this easy on us. I guess it really depends on who your Rep is since people... read full review »