I had defaulted on XXXX of my private loans due to not being able to pay the over {$700.00} a month payment. My Mother and I had called them and went through all the steps to sign up for a lower payment that would include all XXXX loans. We have made XXXX payments so far and was told that if we made XXXX consecutive payments, my loans would come out of default. I am now, along with my mother, getting notices saying that I am in default with my loans and I need to take action now. I am very confused as I thought everything was settled and worked out. I am very upset because we were given an amount based upon the financial information we had given and now even though we are making these payments and on time, we are still being told that my loans are in default.