Never defaulted but did get behind 90-120, 2-4 years ago. Ended up with back dated deferments, unemployment, financial hardship, blah blah. Been on track for the past couple years. It appears that for us, the lates just need to age out? Wish there was a way to clean the slate similar to the rehab programs.
I contacted my state senator who said they couldn't help with a 60 day late. 2 days later, the late quitely disappeared. Try that out. Never know.