All: Please wish me luck on the very first goodwill letter I am about to send. I am sending it to Nelnet for my student loan late payments that happened 3 years ago. I have been paying on time since then. I read that Nelnet is very tough to deal with and do not make adjustments based on goodwill letters, but it's worth a try isn't it? I also talked to them earlier and they told me that they can send me a letter of Good Standing stating that I have been paying on time for 3 years. I don't know what good that will do, but at least I have it. Thanks all!