Here's my sitch: I have a student loan that's in default. I was told by the collections agency about loan rehab, and requested information in writing about this program. They sent me a brochure which outlined the steps, the payment requirements (9 monthly payments made on time, etc.) and what I needed to do to get started. Now, the IRS had been diverting my tax refunds to this old loan-- which seemed to INCREASE rather than DECREASE even after they snagged a couple thousand dollars of my money.