I received the paperwork, which at this point amounted to a letter saying that I was approved for the DOJ reduction and I needed to make my three trial payments. After that I would be sent a packet for the permanent loan with the details. I questioned the wording on what I posted below, where it says, "You could receive a principal deduction.." and my account manager said it's worded that way because if I don't complete the trial I wouldn't receive it. Sounds a little fishy coming from BOA, but we shall see. Just really happy to be at this stage.