This is a true story based on my experience, and all statements reflect my direct experience or opinion. Five years ago, due to an illness, I had trouble with a student loan and it was referred to Sallie Mae. A representative told me that if I was able to make payments on time for a year, they would be able to transfer the loan -- and that if I did this, I would regain the ability to receive student loans in the future and that the negative item on my credit report would be erased. I busted ass and dug deep, and I was able to... read full review »