These people are deceptive -- You inform them that you lost your job long before you even fall behind on one payment & try to get any assistance information, get you will be missed payments added to the end of your loan --They tell you you must be late on a payment minimum 45 days, but they can get all your info and submit it for assistance before this happens and mail this info to you. 2 weeks later you call to get an update, they tell you your account has a rep in D.A.C that they will contact you -- but you still leave this person a... read full review »