BLAST! The wife’s student loans went into default a while back during her divorce or something. I worked with the collection agency and we’ve paid $550 per month for the past year to get back on good terms. The end result would be getting to refinance the $45,000 remaining at today’s interest rates. We missed the very last payment and have until tomorrow to make it up by Western Union or we have to do the whole year again and won’t be able to refinance until after the next election (with more than likely higher interest rates). This rots!