*** will probably be by to give you a hello and some info. of what direction you should go in.
I think everyone on this site will tell you to go to the NACA website and educate yourself about their services and possibly to begin the paperwork for a modification or restructure of your loans.
I'm almost 10 days into my process with NACA and so far so good!
Good luck and hang in there...people on this sight will keep you focused!
