MacChad,
Myself and another member have just finished using NACA to restructure our loans. They are worth it. Please go read through my story. To restructure your loan NACA only asks that you volunteer to speak at 5 classes a year or give time in their office. Unless, like Grey, you are too far from an office. Then their services are really free since you can't volunteer. NACA got our rate dropped from a 10.45% ARM to a 5.25% FIXED
NACA all the way!