Definitely keep the NACA appointment. They will not make you feel like you are wasting their time. Like lugson said everyone deserves a decent loan. Just because you can pay your other bills at this time doesn't mean you don't have a hardship. We paid all of our bills too, but cut back on little things, like food (lol) to get by, until one of us got laid off. Then those credit cards didn't seem so important anymore, but we don't feel good about ourselves anymore. Easy for
CW to say pull from retirement account, they don't have to pay the penalties for early withdrawal.
CW told us to rent out a room in our house. I told them I didn't have a spare room to rent. Then they just thanked me for paying on time and told me to keep up the good payment history, end of story. Called NACA