Man I wish I would have defaulted on my student loans.  I have so many months of 120 day lates while I was making payments. Nelnet denied a forbearance request, said I had met time limits, and I did not find out till they called 6 months later and told me I was about to default. Big thanks fellas. No email, letter, etc.  My fault for not logging in and checking my loan status every month. (I login 3-4 times a month now.)  Well, I accrued something like 19 late payment remarks. Most of which I got while I was making payments. I finally caught up. I should have just defaulted.

I bet Nelnet makes a killing in fees.