This is BS. I had a Bank of America maximizer education loan. The promissory note SPECIFICALLY STATES that I can qualify for deferment during residency and fellowship, and there's nothing in there about the economic hardship stuff, its a pure residency deferment like we used to have for federal loans before they took it away. Well the loan has been bought out by somebody else, and now they are saying that they dont offer residency deferment and that I have to go into full payback within 30 days of graduation. The way I figure it, they are breaking the contract/agreement therefore I dont have to pay the debt! Seriously, what should I do now? Hire a lawyer or what?