Today in the mail I got my 'welcome letter' from NELNET (whom I have already researched for about an hour and a half, LOL, registered on their website, etc.) I plan on NEVER EVER EVER being late on a payment, even if it *kills* me ! Anyways, I am *starting* to see some dropoffs and improvements in my CRs as a result of this NELNET taking over the loan, though the biggest CR gains are yet to come. I am going to work with the student loan companies (prior loan lendors) to see if I can expedite things or sweet talk them into removing more derogatory information than they are required to by law. Anyways, I am really excited that my *fresh start* has begun, and YAY!