Some lenders provide the reduction if you have your payments on auto-pay. Are you still not able to get it in that case?

Good story, same thing happened to me. I moved across the country and had no idea repayment started. Luckily, the lender contacted me and worked it out so that my payment wouldn't be late. I did it again by accident but they contacted me again and that's when I put my payments on auto-pay. I still check my accounts…

Are you on an income based repayment plan? Can you go on forbearance? "With forbearance, you may be able to stop making payments or reduce your monthly payment for up to 12 months."

I wasn't lucky. It took a few years and working hard doing things that I didn't really want to do before finally getting a job that paid me what I should be getting paid, instead of $10k to $20k less. But I always made sure to pay my loans every month with a little more than the minimum and I'll soon be increasing…

When it comes to my student loans, I always monitor my account to make sure it's been auto-paid correctly. Never trust your lender will do it right or that they will notify you if something goes wrong. Sallie Mae in particular.

If you can, get everything in writing. It can be very difficult to get late payments off your credit report and Sallie Mae is one of those lenders that you can't trust will immediately do the right thing.

Certain lenders, Sallie Mae in particular, are terrible for borrowers. Especially if your loans are private.

You might want to go try income based payments.

I have t-mobile and it hasn't worked (for sending at least). I have received a couple pics.

Just you.

Don't know who he is.

Have to agree about Idris. He is one smexy man but he's already 41 years old (Daniel Craig is 45).

Nope. We have a dishwasher but we always hand-wash dishes.

Ugh. Reading this woman's twitter is making me feel stabby.

Wish we could invert the colors.

I always try go get the 8:30am appt. Unless I really need to see my doctor and I don't want to wait another week, then I'll pick the 9:30am appt. Nothing in the afternoon

Wow, I thought people loved him. I hated him and hated that he ended up with Rachel.

2 to 4 in the afternoon (is this the right clock)? I have trouble focusing in the morning, but that could be because I have the most distractions then.

I moved right after college, even though I didn't really want to. I'm still not sure it was the best move to make, but I've accepted it.

No heels for me. I'm 5' 5.5" and I'm happy with my height. Plus, my feet can't handle heels, flats all the way!