BM: Once I started working again and could muster the courage to tackle my overall financial state, I just called the numbers that had been calling me and talked to whoever answered. I was initially just getting the info on how much the loans were and where they were. I eventually consolidated some of them and deferred those in the consolidation. I have two that are outside the consolidation that are still delinquent, and I found out that I can pay towards them online without being on a set plan. I've learned that regardless of where you are with your loans, you can always access your account and make payments toward your debt even if it is defaulted, even if you’ve missed several payments. You can always make a payment, no matter how small, but you may still remain delinquent. I could log on right now and pay $5 and it would go towards my principal or interest. One of my debts just came out of default because they put me on a $5/month auto-payment plan to help me. After ten months of on-time payments, I was brought out of default.