This is fraud. FEDERAL LOAN FORGIVEN? MAYBE IF YOU DIE.

*READ THE FINE PRINT. And, as far as my case goes, I didn't even use the entire amount borrowed/ so where is the money I never obtained, but am still responsible for? The school takes the money, and whether or not you finish, they still have the money. If they returned the money, the situation would be a whole different scenario. However, the growing interest for late payments and the charges for late payments is like candy to a baby. They DO NOT GIVE A CRAP.
* KNOW YOUR RIGHTS: they cannot tell you what you are going to pay (it could be $400 a month, even if you are only making $700 from your job- they figure, you have it, and you can fork it over.) WRONG- as long as you send something, they cannot send you to collections. It will just be going towards the interest, but it keeps your ass out of collections, where every aspect of the loan increases with penalties and other hidden costs.You can actually find a company (Such as Allied Interstate, who will actually work with you and get all of you loans together.)
* DO NOT sign up with a disability agreement, even if you are missing limbs or are totally mentally disabled. Last year, at 32 years old, I was diagnosed with epilepsy and suffered two grand mal seizures that have rendered me to a wheelchair. When I was wrongfully terminated from a job that provided health care, I qualified for unemployment benefits. The way that the Obama administration is conducting the new unemployment system is atrocious. My broken hip rendered me disabled, so I cut my unemployment and receive State Disability. However, even if your disability heals, or you can do part time work, you are still responsible to pay back the money as soon as you get of SDI or SSDI payments and can return to work. Try to consolidate using another outside company, or just send the school 5 or ten bucks once a month. They have to take it, and they WILL.
* My biggest problem is that the current President hired some of the biggest crooks to be advisors to him and his staff. The Fannie Mae people and the rest of the bastards, who enjoy taking kickbacks while I cannot even afford decent healthcare and my taxes went sky high, DO NOT CARE ABOUT YOU. I have always filed, every year, and now i am paying money back that I do not even owe, nor can hardly spare.
* The key is to make contact with your lender. If you do not like the first person you talk to, be polite and say it isn;t a good time; call back until you get someone who cares. Make sure that you ask them how their day is going- be nice-ask about their weekend, the weather, and let them know that you are "living the dream". They will laugh. - but do not overstep you boundaries. It helps to make them laugh, and mention things like, "I hope you can help me, because I have not had any luck so far with any other customer reps, and you sound like you know what's up." Also, if you have to go on hold, tell them to take their time. I am not joking- it is important to get their name, write it down, and use it as much as possible, and praise them for the good work they are doing, even if it is shit.
* OBAMA- your last four years have truly left me in awe of how much worse healthcare and financial aid has gotten. You do not have my vote, and neither does Mitt. I pray that things will get better, but start by not being so obvious that you are in it for the kickbacks as much as any other bureaucratic jackass.