Your story is very encouraging. My BF has defaulted on his 4 loans (was $12k and now up to $24K). He received a notice about the garnishments this week and we'll be calling them tomorrow.

I noticed that you said they removed late fees. After a year of ontime payments, did they automatically drop them or did you call? Do you have any other advice that I can pass onto him?

Thanks again for sharing your story!