Sorry for the confusion! She called it a rehab; those payments were caught up and paid in October, and I've been making on time payments since. The account shows open on my report pulled this month, reporting the two late payments. It is a 9 month loan rehab contract; fortunately the woman I spoke with was kind enough to backdate to when I brought the account back to fully paid/ on time earlier this fall.
I have never heard of rehab on a non-defaulted loan either, but the terms of the paper are all there. I don't know if it's just a catch all they use to make good on borrower's credit reports? There's 4 or 5 bullet points which only one of applies to me (removal of late payments. The other bullet points are in regard to ability to take out future student loans (no thanks, done with school forever if I'm lucky), defaulted/charge off would be removed (doesn't apply to this loan), and ability to change payment plan type.
I did ask about the option to pay those payments in advanced, and the woman said nope. So I've just got to ride out the rehab until June. On the bright side, it's a guaranteed positive FICO bump I can look forward to since these are the only lates I've got.
