Mortgage and Insurance

hi,

 

I’ve been lurking for a long time, but now I need help that I can’t seem to find my lurking only.

 

My 2 student loans went into default on 5/13/2007.  Yesterday I sent an e-mail to the company I believe is the guarantor, American Student Assistance, (ASA) asking about their rehab program.  This morning I received a response from the Borrower Advocate, stating I should call the main number and use option 1.

 

After an hour or so of debating my next stepsI called and spoke to a gentleman.  He was not very helpful, but not horrible eitherthank goodnes.  I asked to get into the rehab program and he told me I cannot be accepted into rehab until I make 9 payments on time, and asked when can I make the first payment. He asked for $100 per month, but since I have not worked since Oct 2008 I told him I could not pay that much monthly right now.  He agreed to $75 per month, I told him I would send a money order when I receive something from ASA.  He told me he would send me a statement today, but I would not get anything about rehad until after the 9th payment is received.

 

This just seems a little odd.  Shouldn’t I receive some paperwork stating the terms of rehab first? 

 

Without this forum I would never have known about rehab, and I would still be afraid everytime the phone rings.  Thanks so much for helping me get this far.