Reply #68: I've taken clients to the Education Opportunity Council , a local

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nonprofit, for help bringing loans from a default status so they could secure funding to return to school. The process was quite simple and painless. What they were able to do in terms of waiving late charges and defering payments really surprised me. It was a whole different wold that dealing with collectors from credit card companies who had no difficulty threatening arrest to force clients to make payments they could no afford.