I've been in rehab the past 10 months (loan went out for a new lender Aug. 8), so I was just curious as to what kind of difference coming out of rehab made in your monthly payments? Right now I have a 15% garnishment of net income as well as paying $50 a month for the rehab-about $320 a month total, with a current balance of $18,500 on the loan, including interest and collection fees.

You're looking at about $230 per month, assuming 8.25% interest and a standard 10-year term.