I have been reading here for a while and I just decided to register cause it seems like everyone is in the same boat as me. I put in for my loan mod in December and I have not herd anything. I was calling weekly and they still said it was under review. So I called today and I was told that I dont qualify for anything. I am not behind in my payments but it will be soon getting to that point. I just do not know what to do now.