They also showed me how to consolidate my loans. Its ridiculous that neither my school or Nelnet let me know this program was available. It was a mess dealing with 12 loans with different  interest rates...i never knew which ones were in default, deferred, or in forbearance....if I knew this was an option i wouldve went back to school 3 years ago! Now I have 1 payment that i can afford!!! Not the mortgage payment Nelnet wanted every month. I know my loans are now with the Dept of Ed and not Eastern Revenue but they helped me out none the less. Thanks guys!