I've been trading for 6 month now. haven't been able to pay off my student loan since being laid off last year. Starting to make some money as a trader but not consistent. My question is, do I need to remove the default status on my loans before I can make a payment again? A guy from ECMC(educational credit management corp) keeps calling me saying that if I make $100 payment for 9 consecutive months, I can have my default status removed and start paying off my loans again at a better interest rate. He claims that ECMC is nonprofit org and is not a debt collector. Is this true? or should I not deal them? thx.