yeah its kinda funny how vicious they can be about collecting late payments and whatnot but if you actually call your lender (and get someone in AMERICA on the phone, this is key!) and give them a sob story or are honest they will actually do quite a bit to help you along and crunch the numbers favorably. weird double edged sword i guess.
on the real though, MOTHERFUCK SALLIE MAE, MOTHER FUCK BANK OF AMERICA, AND MOTHERFUCK CAPITAL ONE! sorry, i just those fools on principal.