Waiver found me as I was just about to clear the principal. After accumulating penalties of 85k, I got a shocked into action and started paying off little by little, mara 2k here, 3k there, but I made sure there was a minimum 2k payment each month. So when they put up the waiver, my balance was 105k (incl 85k penalties), so I asked and got my statement showing I only needed to pay 20k. Nikalipa and certificate pap! I hate student loans because they live with you until you die...unless off-course you pay them off.
First time in history we can save the human race by laying in front of the TV and doing nothing. Let's not screw it up