pride is an evil thing sometimes. i finally broke down and told CFI that i'd had a good job this summer, that i got laid off, that i wasn't making nearly as much as i used to and that i'm working two jobs to get caught up, bleh bleh stuff stuff, and could i put off my payments or anything while i did get caught up. and to much utter shock, they said yes. wow. i wish i'd asked back this summer - it would have saved me a lot of stress.