My loans went into default when I lost my job and was homeless. I got back on my feet and applied for a loan rehabilitation program through ECMC. I was qualified and approved and read carefully the loan rehab agreement. It allows ECMC to add collection fees once the loan has been rehabilitated. After only a few payments under my agreement, which I made on time, ECMC added over $5, 000 to my loan balance for collection fees! I”ve contacted the employee at ECMC and complained that it is a breach of the agreement to add these fees now (prematurely) – especially in light of the fact that interest is now being calculated at this higher balance. I have heard absolutely nothing back. Now, I have to take legal and/or administrative action against them as they are clearly in breach of the agreement.