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I've heard of horror stories where students starting paying these credit collectors for months just to get their status to 'active' only to find out that these collectors have sold the papers to other collectors, who in turn harrassed the students to make payments. It is why I have avoided...

thx for the post. I had already defered it before once. And my life was in a sh*thole during that particular time. I ran from it. I regret big time

thx for the post. does loan consolidation require removing the 'default' status from my credit? why is now a good time in particular? (b/c the interest rates is low?) and what kind of rate could I get if I went ahead and consolidated it now. thx again,

I've been trading for 6 month now. haven't been able to pay off my student loan since being laid off last year. Starting to make some money as a trader but not consistent. My question is, do I need to remove the default status on my loans before I can make a payment again? A guy from...