same issues as everyone else... we were told we qualified to refinance under one of the new plans because my husband's job had been slow and so had been laid off 1-2wks every month, which got us behind, and fact that we are in a variable rate loan.. faxed all the info in April..heard nothing..continue to make a monthly payment...asked almost every month.. in Aug I was told they needed our info again, and it was in review... thankfully husband’s work has picked up,but still would help to get that interest rate down and get caught up on payments. in the meantime they keep putting my payment $ made in a credit balance account (per the statement and confirmation with rep at bof) and each month statements show i'm running behind more than it should reflect because they DONT take the balance money into account because its not fully caught up.. they say i'm now 5 mths pastdue, while 3 months payments are “On hold” in this account., so technically only owe them 2. so, you would think theyd be doing something to get my account current, since obama gave them money long ago, right? frustrating..