I took out student loans through Mohela (Missouri department of Higher Education ...) I had a 4.0 first semester. During my second semester I developed a incurable intestional desease and was hospitalized for over a week. When I was released, I dropped my classes and contacted Mohela Immediately and was informed by their Customer Service that they understood and my loan would be forgiven. A Year Went by and I received a notice in the mail that my loan was delinquent and I had to make payment arrangements. I called Mohela AGAIN and was informed that this notice was a mistake and not to worry. My loan had been forgiven. I forgot about it for a couple of years, never had received any further correspondence. Then my check from work had a garnishment on it. For 15% of my total check. I contacted the collection company and they told me the collection was valid and that the customer service had no authority to forgive my loan. Please dont deal with these people..