Right now I'm unemployed, looking for a new job, which is not the easiest thing right now. Companies are letting people go these days, not hiring new people. I admit, I've been very irresponsible for a while. My loan payment was 200 days late. But at the end of January, I made a payment (part of my past due amount) to make things right again. When I was making that payment, the rep told me, "as long as you keep up with the monthly payment from now on, everything will be fine. Your loan will not default. Just keep... read full review »