As much as I dislike dealing with CA's, this one was actually pretty decent, easy to deal with, and seemed willing to work with me on a reasonable and realistic repayment schedule. I know CA's aren't our friends (heheheh), but this seems like a pretty good deal to me. I've been getting a lot of nasty letters from the Dept. of Ed, and since these are government-guaranteed loans, I know there aren't too many options to making them go away. "Rehabbing" the loan also seems like a way of turning a negative into a positive on my CR. Has anyone else done this? What were the results?