[Ragtopgal]

You gotta be kidding, your happy with the payment arrangements? How does this help you down the road. You basically have to save every cent you would of paid for the regular payment, since at the end, this is your balloon payment (the difference between partial or no payments). How can you take the chance they will modify you? And I was offered what others were after being turned down for the Obama plan. 3 partial payments and then resend in paperwork; with no idea if they would modify my loan or what the terms would be; and if they say no, I pay all the money I "saved" back to them plus late fees. I'd be penalized for following their plan. I could not take this chance. I have someone else non-CITI working on my situation. If it fails, I will go to NACA but I'm hoping for a reduction in principal plus a lower interest rate and none of the programs I read offered reduce the principal. Who knows, maybe I'm just fishing but its better than trusting CITI, I read nothing on this site where people are truly getting great mods; if so, its so rare; however I do hope all of you who qualified and are making the trial payments, get your mod. Good luck to you, I'm sick over this every day and Citi already made me late by telling me to make partial payments under the Obama plan, but whoops, oh sorry you (me) are not eligible. What? So I had to make up the difference the next month to bring me current, but I couldn't so I run late due to their ERROR! My best to you.