Hi everyone...new here.
I am in really deep trouble with my credit. Let me just address the student loan issue at this time...LOL. I pulled my credit reports and realized that a few of my student loans have defaulted/ in collections whatever....just a big disaster!! I planned on returning to school so I just assumed they would be due when I actually graduate....or get deffered automatically....anyway....I screwed up 
Has anyone heard of a "federal rehabilitation program" ?? I heard that it was the best approach to deal with student loans. I need to improve my score and these loans showing up on my reports are really affecting me It's a mess....anyone know what to do??? I need the best approach to this kind of situation so that all the negativity gets removed.
It's a mess....anyone know what to do??? I need the best approach to this kind of situation so that all the negativity gets removed. Thanks,
Sophie