I worked for Navy Federal Credit Union for several years starting in 1998 where I had several loans which were being paid faithfully. I moved to Texas in 2001. In 2003 I became a single parent with no child support. I also have a Kidney Transplant and in January of 2004 my Insurance co-pays went up by 300%, along with the price of medications. I went from living in a house to an apt. I then provided Navy Federal with proof of all this when I requested a deferment which they graciously granted. I also went on their Consumer Credit Counseling... read full review »