I have been going to school for quite some time now. It seems that I am finally on the right track. I was behind on my loans. That might be too much information for some-I am sorry. What I did to keep it from damaging my credit report more is that I took a hardship forbearance. I then went to enroll at the local college. I know this might sound foolish to some, but I needed to buy myself a little time. I have since discovered and created an account at http://www.smarterbucks.com. This site allows its members to shop online and the stores shopped at will give the member back a certain percentage of each purchase, Smarter Bucks then pays back the student loan for the student, graduate.