I was past due once or twice but was working with my loan company to get caught up and then I was in school so payments stopped. I did confirm with the loan company I was never in full default and my cosigner was never required to pay due to not being in full default which it does state in the contract they signed. They asked her to make voluntary payments via voice mail but she dodged the calls. Only one payment was made by her (tech. by her husband over the phone) when they choice to voluntary pay it off while I was in school I had no idea until it happened. The tax document came in my name and I put a request in with the company put a request in to see if they could change information on the tax form but it was never changed because they considered it a voluntary payment. I know you can only deduct 2500 and their claiming they can deduct the whole amount of interest. I still shocked because I never gave consent for them to talk to him about anything and the company needed consent from both of us to add anyone as a authorized party.
