Jeff Merkley actually said...

The situation is that often when folks seek a modification, they are told by the servicer, you need to be delinquent before you start this.

I wish there was, in fact, a rule in place that said the foreclosure track will not be pursued until the modification is completed.

Should student loans be extended to programs that are unaccredited?

Have you run into that? Are you familiar with that? Do you have any thoughts on that?