I recently finished school and was having some issues making the payments. They would not work with me what so ever. Therefore I got behind by one payment. I started receiving 10 to 15 harassing calls a day from them. I tried to get a deferment and/or a forbearance with no luck!!! I post dated a payment which the lady told me would bring every loan current ( I have 2 different private loans with them). Well here it is two days after the payment was due and they applied to payment to one of the two loans and they are calling ten to fifteen times a day. I call, and raised absolute hell with them, actually got hung up on twice... My advice use someone other that these [censored]es for any private loan needs!!!