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 can be rude no matter what company it is. I think if you call and are honest with them and nice that they should be willing to work things out for your best interest. All of our fees will also we taken off when the new lender gets the loan.
Hope this helps someone.

Alicia