I've seen mention of retroactive forbearance, but have seen mixed reviews of its effectiveness.  I could try a GW, but I also read that is usually not going to work on a federal loan.  Are there any good email contacts people have had success with sending GW?  Is there any decent shot at getting the 90 day late removed? 

This is my only recent late and is killing my score pretty bad.  I honestly forgot about this $50 payment until I got a notice in the mail saying I was late...which was pretty stupid of me.  This happened in November and I do not want to be punished for 7 years.  I have the money to pay the whole loan off right now, so it stinks to be hurting my score for such an insignificant debt.