Rondaben-- I never made a payment on it. I went on my merry way when I graduated in '91, and it never crossed my mind to think anything was wrong. It wan't until hubby and I applied for a car loan that I became aware of it on my CR. (LBrown--I know this is off topic, but I wanted to say how very sorry I am to read of your mother. Mine was bad enough, but she was sick for quite a while before she passed, so I had time to come to grips with the inevitable. I can not imagine what you have been through.)