Thank you very much for the information. WhoCares1000 you sound very knowledgeable in both American and Canadian matters. I am not normally a person to not pay my bills, but it was very costly to move back to Canada and get my husband his permanent residency here. We have very good credit rating in Canada and I don't want to mess that up. We have no intention of ever going back to live in the United States and that being said I am no longer a permanent resident there. We do go back from time to time to visit. I believe it is a Federal loan as it is through Sallie Mae. Also, my company does no