Wow lots of you guys have had problems with key looks like. I talked to them yesterday, and my approval is still pending. They requested recent pay stubs for myself and my dad (cosigner), tax forms, and information on the house payment. We are getting that together and will have it faxed today. From that point they say they would have a decision within 24 hours. Heath from what your sayin about SLM, i almost hope it doesnt go through. That 18th month defferal sounds really really nice. We shall see shortly