My son is in college and we took a loan from ACS Education Services because I didn't know better for my first kid in college. They started billing us even though he should be in deferment until after graduation. They told us that they needed proof from the college that he was a full time student. In March of 2012, we provided all the information and was told it would take a few months to get it taken care of. In September, we start getting bills again saying we are past due. I contact the company and they tell me that my son never followed up on the paperwork trail so it never got done. They said I needed to pay the $380 past due amount and they would put us in "rehabilitation" status and then deferment. So I paid the $380. I called 2 weeks later and was told it would take over 30 days. I called in 30 days and was told that it was still in process. I called again after receiving an invoice again owing $117 and they said not to worry that it was still in process. Today I receive another bill that is now delinquent for $235. I call the company and they tell me they are not sure why the deferment did not go through and they will put in a request for review. I asked to speak to a manager and was told that there were none on staff and someone would have to call me back. It is a bunch of CRAP! I understand their process...they bill you or they don't, you don't pay because you may not know to pay, you get a delinquency, then they send you to collections. They call you non-stop to get their payment. They tell you if you catch up the payment you are eligible for the deferment. Then once you pay they put you in "rehabilitation" which just means they are taking you out of collections which takes about 40 days to complete the process. Then instead of putting you in deferment, they start billing you again and the process starts all over. This is the biggest scam ever!!! Don't use this private company to take school loans! Go through the government and get federal loans!