The same thing has happened to me.I couldn't pay but I was told I can't put a loan in forbearance if it is late.I paid what i had too and submitted the form.In the mean time it was time to pay again and I didn't have the money so I was in default and told that I couldn't do forbearance because I'm late.I was late last month I told them.They call and harrass me every day. read full review »