I recently found out that Obama started a new education loan rehabilitation program that makes payments based on your income. After speaking to my collection agency I found out my payment is only $5 a month. I only have to make 6 payments until I am available to sign up for financial assistance again. My only problem is my last school says I owe them $595, and I can't get my transcripts until I pay that. Luckily my landlord said he would pay it and let me pay him back when I got my school loans. So can anyone tell me if my classes from 2005 would still be good for credits now? If so I would only be a year away from my degree. I guess the reason I started this thread is to see if anyone else has been in my position where you go back to school after a long break in life. I fear that I might not be able to keep up or that I won't be able to learn like I used to.