Hi, Mark. Love your site. I have my own, strange story to tell:I took out roughly $38,000 for 4 years through HESAA prior to graduating in 2008. I was keeping up on the payments, and then in 2009, I went through a separation and subsequent divorce. During this time, I had moved out of the house, and had no real permanent address (mostly sleeping on couches and staying with my parents) for about 9 months. During this time, my (now) ex-wife would just throw out my mail, which included the bills from HESAA. I figured it was an annoyance, but not a problem. I could just call and check my account, right?