I contacted TG, the holder of my student loan, in late December of 2010. My intentions were to inquire about any options available for me to begin repayment of my student loans. The automated system referred me to Account Control Technology. I contacted ACT the came day with those same intentions. A was given the option to pay a rediculously high monthly amount, which i could not afford. I informed the representative that I called them because I am willing and ready to begin repayment. I asked for other options and I was transfered to another department. The next representative I spoke with was extremely rude and offered an amount that was still a bit steep. I expained to that representative that I am willing to pay, but i am not going to commit to an amount that i can not afford. I explained some personal financial issues that I had, and this representative proceeded to imply that my finiancial means of income was legally wrong and because of that, she could not consider it. I didn't know much about that subject at the time, so I didn't dispute her claims. This representative told me everything from borrow the money from family or friends to take out a loan. When I would not commit to the terms that she was offering, she told me to call her back later with my decision. However, when I called back, I received an automated message stating that the office was closed. Less than a minute later, my phone rang and it was the initial representative that I spoke with upon calling ACT. I asked her to speak with the representative that she had tranferred me to earlier. Instead of obliging, she insisted that the other representative, whom was refered to as a manager, had passed on all of the information that she and I had discussed and asked if I was ready to enter into the agreement that was discussed. I informed this representative that her manager and I was still in negotiation and that I needed to speak with her. I was placed on hold and then informed that the manager that i wished to speak with was busy with another customer. I was then forwarded to another manager. i will say that this manager was very polite and seemed to be forthcoming, She seemed to be trying to help me and offered what seemed like valid information. I requested that she explain why the first manager told me tht consolodation was not a good option for me compared to the program that she was offering, the Rehabilitation program. She proceeded to decsribe consolidation as combining all of your loans and using the highest interest rate. She also said that with consolidation, all of my interest would be added to the back of my loan. She told me that consolidation would extend the time that it would take me to pay it off, as well as end up costing me a lot more money in the long run. Of course, these terms make consolidation seem like a bad option, so i informed her that I want to begin paying, but need an affordable monthly amount. She explained to me about the calculators that they are obligated to ues in order to ensure that your payments meet the requirements for rehabilitation. She sounded believable so I told her that I wanted to sign up for the program. When she informed me that payment had to be made at that time, I informed her that I could not pay with such short notice. I asked for my payments to begin the next month, January, and she told me that wasn't possible. So, I informed her of my inability to sign up for the program at that time, and that i would have to call back in January. The manager told me that I had a review date approaching and my TG would be notified that I am unwilling to cooperate. I was immediately offended because I had been in negotiation with this company for well over an hour at this time. Not to mention the fact that I had called them to set up payments. I asked the manager how was it legal to tell TG that I'm unwilling to cooperate, when I called in and even offered to begin paying in January. She quickly changed her statement and said that they would just report that no aggreement had been reached and that TG could decide to garnish my wages if they wanted to. I began to feel rushed into a decision that I needed more time to consider so I told her that I would call back the next day. I called back as promised and again, the initial rep. answered, I informed her that I am willing to begin payments, but not until next month. She informed me that I would have to call back next month and see what options were available. I replied thank you and hung up. On December 31, 2010, the initial rep that I spoke with called me and said that because I am a willing customer her boss has authorized her to postdate my payment for the end of January so that I would not have to face the review of my account; which had coinsidentally been pushed back just for me. Being that I really did want to take care of this financial responsibility, I agreed to start the program. On thursday January6, 2011, the agreement that I had been told to expect came in. Upon examining these documents, I quickly realized that I had been a victim of deception. There were terms and conditions in this agreement that were not offered to me before my verbal agreement. The very negative desciption that the second manager offered to me about Consolidation seemed to be the very thing that was lined out in the documents I recieved in the mail. I belive non disclosure of vital information along with deceptive means of gaining my verbal agreement were used. This along with other things that were down is against federal and state debt collection laws. I have not called ACT regarding these documents as of yet, because I intend to seek the advice of an attorney. I would suggest that anyone whom entered into a verbal or written agreement with this company and feel that you were illegally handled, look up the Fair Debt Collections Practices Act as well as you state's debt collections laws and practices.