I'm on the other side of this. I had to file chapt 13 so my daughters loan went into default even though she's still in school. They offered me a plan to get the loan clear of default and back on track. I made the 5 payments they ask for but they then came back and said teri had filed bkrptcy and that the program was no longer available. Teri had filed bkrptcy 3 months prior to our arrangements. It's ironic they stopped the plan as I made the last payment. I too am trying to find out my choices. It's obvious I can't get 16k to pay off loan due to credit and economy toward any home loans.